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The 5 Best Home Care Agencies for Seniors in Urbana, IL for 2024

Last Updated: June 5, 2024 - Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Urbana, IL, residents and their loved ones rate In Home Care agencies 3.66 out of 5 stars across the 6 options below.

Home Care Agencies in Urbana, IL

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Paying for Home Care in Urbana, IL

The Cost of Home Care in Urbana, IL

According to the Genworth 2021 Cost of Care Survey, seniors in Urbana pay $5,196 per month for in-home care. This is a couple of hundred dollars higher than the national norm of $4,957, but it offers a monthly savings of $150 over the state norm. Seniors in Springfield pay slightly less, with local care costs coming in at $5,100. In Decatur and Carbondale, rates are several hundred dollars less than in Urbana at $4,767 and $4,576, respectively, but in Danville, care costs are over $3,000 higher than in Urbana.

Urbana

$5,196

Illinois

$5,339

United States

$4,957

Decatur

$4,767

SpringField

$5,100

Carbondale

$4,576

Danville

$8,818

The Cost of Home Care vs. Other Senior Care Options in Urbana, IL

In Urbana, home care is moderately priced compared to other long-term care options, with in-home care and home health care coming in at $5,196 monthly. Assisted living is a few hundred dollars less at $4,750, but nursing home residents pay considerably higher rates of $6,083 for semiprivate accommodations. 

Home Care

$5,196

Home Health Care

$5,196

Assisted Living

$4,750

Nursing Home Care (semiprivate room)

$6,083

Note: Data for Urbana was unavailable, so data for the nearest city, Champaign, was used instead.

Financial Assistance for Home Care in Urbana, IL

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

  • Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
  • Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
  • Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
  • Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
  • Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Free & Low-Cost Home Care Resources in Urbana, IL

Seniors in Urbana have access to several local agencies and programs that provide in-home assistance, home-delivered meals and recreational opportunities. The following table includes contact information for resources, such as the local senior center and the Area Agency on Aging, and can help seniors find services to supplement paid in-home care.

ResourceContactService
Phillips Recreation Center(217) 367-1544Phillips Recreation Center features a senior lounge where older adults enjoy socialization and activities, such as fitness classes, table games and arts and crafts. The center also hosts UP Senior Club’s monthly potluck dinners and day trips, helping older adults avoid boredom and isolation.
East Central Illinois Area Agency on Aging, Inc.(309) 829-2065The Area Agency on Aging has advisors who provide information and referrals for community-based resources, such as prescription drug assistance, medical and wellness services and home-delivered meals. It has case managers who provide in-home assessments and develop home care plans, and it provides respite services when primary caregivers are away.
Family Service of Champaign County(217) 352-0099Family Service of Champaign County is the Meals on Wheels provider for the Urbana region, delivering healthy, low-cost meals to seniors otherwise unable to obtain food. The organization also has a senior transportation service to help seniors who don’t drive to attend local errands and medical appointments.
Community Action Partnership of Central Illinois(217) 732-2159CAP provides curb-to-curb transportation services with wheelchair-accessible vehicles to those aged 60 and over for a small suggested donation. It also provides energy assistance to older adults with limited resources, helping them improve their homes’ comfort and reduce high gas and electric bills.
Senior Services of Central Illinois, Inc.(217) 528-4035This nonprofit organization hosts educational, social and recreational events at locations throughout the region, including classes relevant to caregiving and aging. It also provides discounts at area locations including hair salons, eye doctors, home service providers, entertainment venues, restaurants and stores.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

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Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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