There are just over 1,060,000 people aged 65 and over in Indiana as of the latest estimates — almost 16% of the population — and the overwhelming majority of these seniors want to stay in their home community for the foreseeable future. Indiana Medicaid and programs offering a variety of home and community-based services help keep these older adults safe and happy at home for as long as possible, and other agencies around the state provide much needed assistance for those who can no longer drive or otherwise take full advantage of local amenities and services.

Continue reading to find out how Indiana and its major cities compete with nearby states for in-home care costs and see what options are available for financial assistance and other programs for seniors.

The Cost of In-Home Care in Indiana

In-Home Care Costs in Nearby States

The cost of home care services in Indiana is fairly typical for the region, with an average of $4,334 per month in the state, as reported in the Genworth 2019 Cost of Care Survey. Indiana’s monthly cost is just $44 more than the nationwide average for in-home care, and the only neighboring state that offers significant savings is Kentucky at an average of $3,813 per month. Illinois is the most expensive nearby state for home care, with an added monthly cost of approximately $150, and Michigan also has increased costs of around $50.

$4334

Indiana

$4290

United States Average

$4290

Ohio

$3813

Kentucky

$4481

Illinois

$4385

Michigan

Cost of Other Types of Care in Indiana

Home care in Indiana costs an average of $4,334 per month, assuming 44 hours of care per week, which is approximately $250 per month more than an assisted living facility. The difference in cost between in-home care and home health care is roughly $50 per month, and the difference in function between these two types of care is explained below in the FAQ. Adult day care presents a more affordable option at $1,457 per month, which is less than half the cost of in-home services and assisted living. Nursing facility costs are by far the highest — $7,021 per month — and residents should expect to pay over $1,000 more for a private room.

$4334

In-Home Care

$4385

Home Health Care

$1842

Adult Day Care

$4100

Assisted Living Facility

$7021

Nursing Home Care

The Cost of In-Home Care in Indiana’s Top Cities

Indiana’s most populous cities tend to fall in line with a similar average cost in the state and country overall for in-home care. Indianapolis, Fort Wayne and Evansville have costs at an average of $4,385 per month, which is roughly $50 higher than the state and $100 higher than the nation. Evansville is the most affordable of Indiana’s top cities at a monthly average of $3,813, and Bloomington takes second place for affordability at $3,956 per month.

$4385

Indianapolis

$4385

Fort Wayne

$3813

Evansville

$4385

South Bend

$3956

Bloomington

Financial Assistance for In-Home Care in Indiana

CHOICE Program

Indiana’s CHOICE program — known in full as Community and Home Options to Institutional Care for the Elderly and Disabled — is intended to help seniors and people with disabilities safely remain in their own home or community instead of institutional care. Members of the program receive free or low-cost services, including many in-home care options such as homemakers and health aides, as well as transportation and case management. Caregivers of CHOICE program members may also benefit from respite and case management services.

Who Is Eligible?
Applicants are accepted into this program based on their need for services, and must be assessed as partially or fully unable to carry out some activities of daily living. They must also be 60 years of age or older, or have a disability that meets Social Security standards. Individuals must have no more than $250,000 in countable assets. There is no income limit, but applicants may be required to cover some of the costs based on their level of income.

How to Apply
Residents should contact their local Area Agency on Aging to make inquiries and begin the application process. Call (800) 986-3505 or find the contact details for the closest agency on the AAA map or the agency directory.

Aged & Disabled Waiver for HCBS

The Aged & Disabled waiver is another alternative to nursing care that is available for Indiana Medicaid members who need help in their own home. Recipients of this waiver receive the necessary services, such as attendant and self-directed care, homemakers and meal delivery, which are decided upon by the assigned case manager. These services are collectively referred to as home and community-based services (HCBS). The A&D waiver allows for many of the services available through CHOICE. However, one of the main differences is that applicants for A&D must be eligible for Traditional Medicaid, as opposed to CHOICE which is more beneficial for those who can’t qualify for Medicaid.

Who is Eligible?
Applicants must be at least 65 years old, blind or disabled according to Social Security standards. They must be assessed as requiring a nursing facility level of care yet able to remain safely at home or in the community if provided with support services. The income limit is 300% of the maximum SSI payment amount, which is equal to $2,349 per month for an individual as of 2020.

How to Apply
Residents of Indiana can call or visit their local Area Agency on Aging to apply for A&D services, or call the state hotline at (800) 986-3505 for directions on which steps to take next.

More Ways to Pay for In-Home Care

While the above programs help many people finance in-home care, they will not cover all costs for everyone. There are other ways to pay for in-home care, including out-of-pocket arrangements with siblings, annuities, reverse mortgages, private insurance, and more. Read Caring.com’s Guide to In-Home Care Costs to learn more about these alternative payment options.

Free and Low-Cost In-Home Care Resources in Indiana

Indiana residents have several resources available to them to enable in-home care and independent aging. These include meal delivery, care management and direction, home modifications, and more. Seniors and caregivers who live outside of the service areas below can find their local agency via the AAA map.

ContactArea ServedServices Provided
CICOA In-Home Services (HCBS)(800) 432-2422Central IndianaThis agency provides home and community-based services such as those available via CHOICE and the A&D waiver.
NWICA In-Home Services (HCBS)(800) 826-7871Northwest IndianaNWICA is a local aging and disability resource center for NW counties.
AIHS In-Home Services (HCBS)(800) 552-3662Northeast IndianaAIHS is a regional center with in-home and community support services for seniors and people with disabilities.
SWIRCA In-Home Services (HCBS)(812) 464-7800Southwest IndianaSWIRCA provides home care services, meals, care coordination, counseling and referrals for useful services for seniors and people with disabilities.
Indiana Association for Home & Hospice Care(317) 775-6675Entire StateIAHHC provides advocacy on behalf of home care workers and recipients of their services. Many useful guides for family and caregivers can be viewed online.
Indiana FSSA Division of Aging(888) 673-0002Entire StateThe Family and Social Services Administration helps connect Indiana residents with needed services, performs eligibility assessments for Medicaid HCBS and other state programs.
Help Applying for Health InsuranceCounty contact details on websiteEntire StateThis is a free service for Indiana residents and their caregivers who need advice and help completing forms and meeting eligibility requirements for health coverage options.

In-Home Care Laws and Regulations in Indiana

Home health care providers are licensed and certified by the Indiana State Department of Health via the Home Health Agency program. The department is responsible for the oversight of all agencies that provide medical care in the recipient’s home, which includes regular inspections of licensed agencies to make sure residents receive quality care. The ISDH also ensures that these agencies and their workers are in compliance with federal Medicare and Medicaid regulations, as well as state laws and rules governing the industry.

Scope of CareHome care agencies can perform various tasks around the house, such as assistance with ADLs, homemaking and companionship. Home health agencies can provide a higher level of medical care and have highly trained staff.
Care Plan RequirementsCare plans must be ordered by a licensed physician, dentist or other registered health practitioner. These health services must be performed by health care professionals, which includes nurses and physical therapists.
Medication Management RequirementsMedication must be determined necessary by a physician and then ordered from a pharmacist. Registered nurses, licensed practical nurses and qualified medication aides are permitted to administer medication. All staff in the chain of command can be held legally responsible for their actions.
Staff Screening RequirementsAgencies must verify the individual’s licensing status via state government records and receive a criminal background check from Indiana State Police. Cleared applicants must then undergo a competency evaluation and finally have their Home Health Aide application reviewed by the ISDH.
Staff Training RequirementsThe Indiana State Department of Health registers all licensed home health aides and maintains an online registry. Individual home health agencies create their own requirements for qualifications and training, although there are certain minimums, and the ISDH only intervenes if state or federal laws or regulations have been broken.
Medicaid CoverageIn-home care services are covered though Indiana Medicaid and the additional state-run programs detailed in the financial section of this guide.
Reporting AbuseThe ISDH handles the complaint process for health care facilities in Indiana, which includes home care and home health agencies. Call the report line at (800) 246-8909 during business hours or read more about the process and other methods of submitting a complaint.

Frequently Asked Questions

Is a home care agency the same as a home health agency?

No. In Indiana, home health agencies are licensed to provide medical services, including skilled nursing and dietitian, and as such, the staff has undergone many years of education and training. Home care agencies are licensed to provide assistance and companionship, and the caregivers aren’t permitted to provide medical care.

Are there programs to cover home modifications in Indiana?

Yes. The local Area Agencies on Aging can help connect homeowners with modification programs in their area — see the resources section for contact details. Seniors and people with disabilities can receive grant funding via the Accessibility Modifications Program to improve the functionality of the home. Residents may also be eligible for urgent home repairs funded by the state.

Are there transportation assistance programs in Indiana?

Yes. Medicaid members can request transportation for non-emergency medical trips, such as appointments and pharmacy visits, by contacting their case manager or the Area Agency on Aging in their region. These agencies may also provide taxi coupons and other transport services for non-Medicaid purposes.

What does it mean to “age in place”?

Aging in place is a care philosophy that’s generally associated with facilities, such as assisted living or nursing homes, rather than in-home care. It means that the individual is expected to be able to stay where they are living now, even when their medical and other needs increase.

What are “activities of daily living”?

Activities of daily living — commonly referred to as ADLs — are a wide variety of tasks that most people do every day. This includes bathing and other hygiene issues, preparing and eating food, and transferring to and from a bed, wheelchair and so on. Seniors and people with disabilities often need assistance with ADLs, which may make them eligible for financial assistance as outlined in this guide.

Home Care Services in Indiana (142)