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In-Home Care in Indiana

The Midwestern state of Indiana features a mix of large cities and small, close-knit towns, accommodating a range of budgets and lifestyle preferences. Seniors make up the fastest-growing demographic in this state. According to recent data, those aged 60 and over are projected to account for about 23% of Indiana’s population in 2030. By comparison, in 2012, seniors made up less than 18% of residents. A low cost of living, generally comfortable weather and affordable health care all play a role in why seniors are choosing to retire to Indiana.

As Indiana’s senior population grows, the need for affordable long-term care solutions is also increasing. If you plan to enjoy your retirement years in the comfort of your own home but certain activities are becoming more challenging, home care may be a good solution for you. This type of care includes services such as light housekeeping, meal preparation and companionship and costs approximately $4,676 per month in Indiana. Home health care is similar but is administered by licensed legal professionals and includes services such as medication administration and physical therapy.

This guide provides more information on in-home care in Indiana, including how care costs compare to those in other states, options for paying for services and resources you can contact for free assistance.

The Cost of In-Home Care in Indiana

The 2021 Genworth Cost of Care Survey shows that seniors in Indiana pay $4,767 per month for in-home care, which is a couple of hundred dollars less than the national median of $4,957. In Kentucky, which is situated to the south of Indiana, rates are the same at $4,767 per month, and in Ohio, which lies to the east, rates are equal to the national median at $4,957. West of the state in Illinois, care costs exceed the national median at $5,339, and to the north in Michigan, rates are the highest of Indiana’s bordering states at $5,529.

Indiana

$4767

The United States

$4957

Michigan

$5529

Illinois

$5339

Kentucky

$4767

In-home care costs vary throughout Indiana depending on local living costs and the availability of services. The cheapest surveyed city for care is Terre Haute, where agencies charge approximately $3,623 per month. In Evansville, seniors pay $4,290, and in Muncie, fees are a little higher but still below the state median at $4,385. Seniors in Columbus pay $4,553 for in-home care, and in the capital city of Indianapolis, care costs are several hundred dollars higher at $5,053. In Fort Wayne, clients pay $5,339, and in South Bend, fees average $5,672.

South Bend

$5672

Fort Wayne

$5339

Muncie

$4385

Indianapolis

$5053

Terre Haute

$3623

Columbus

$4553

Evansville

$4290

In-home care is moderately priced in Indiana at $4,767 per month. Home health care, which is similar but includes specialized skilled nursing services, has the same monthly rate. Older adults who obtain this level of care in assisted living pay $4,283 per month for personal care, housing and meals. Adult day health care is the cheapest long-term care option in the state at $1,733 per month, and nursing home care is the costliest option at $7,270 for semiprivate accommodations.

In-Home Care

$4767

Home Health Care

$4767

Adult Day Health Care

$1733

Assisted Living

$4283

Nursing Home Care

$7270

Does Medicaid Cover Home Care in Indiana?

Indiana’s Medicaid program provides comprehensive health insurance coverage to meet the needs of income-qualifying individuals within the state who may otherwise be unable to afford health care. While this program doesn’t pay for in-home care directly, it helps Hoosier seniors pay for this type of care through a waiver program. This waiver, called the Aged and Disabled Waiver, pays for services and support necessary for avoiding nursing home placement.

Home Care Waiver Programs in Indiana

Aged and Disabled Waiver 

Indiana Medicaid covers in-home care through the Aged and Disabled Waiver, which expands the regular program’s coverage to meet the needs of those at risk of nursing home placement. The services a beneficiary receives depend on their care needs as determined by their case manager.

Covered services may include:  

  • Adult day services 
  • Adult family care 
  • Attendant care, including self-directed care 
  • Case management 
  • Home and vehicle modifications 
  • Homemaker services 
  • Health care coordination 
  • Home-delivered meals 
  • Personal emergency response systems 
  • Pest control 
  • Respite care 
  • Durable and disposable medical equipment 
  • Transportation services  

The A&D Waiver is open to those who are at least 65 years old, blind or disabled. Applicants must also meet income and asset limits. Unmarried applicants may have an income of up to 300% of the maximum Supplemental Security income amount. In 2022, this limit is $30,276 annually. Applicants must also require nursing home level care.   

Seniors can apply for the waiver by contacting their local Area Agency on Aging or the Division on Aging by calling (888) 673-0002. 

How to Know if You’re Eligible for Medicaid in Indiana

 

To qualify for Medicaid, applicants must have limited income and assets. Single applicants may have an annual income of up to $13,596, and married applicants can have up to $18,312. Single applicants can have up to $2,000 in countable assets. If they’re married but their spouse isn’t applying for Medicaid, the applicant can have $2,000 in countable assets and the non-applicant can retain half their joint assets up to $137,400. If both spouses are applying for coverage, they must meet a combined asset limit of $3,000. 

 

2022 Indiana Medicaid Income Limits 

Income limits*Asset limits
Single Applicant$13,596$2,000
Two-Person Household (Only one applicant)$18,312$2,000 for applicant $137,400 for non-applicant
Two-Person Household (Two applicants)$18,312$3,000

*per year 

 

Indiana’s Medicaid program is open to people of all ages, regardless of disability status. Along with meeting financial criteria, applicants must also be U.S. citizens or legal residents and permanent residents of Indiana to qualify for coverage.  

 

How to Apply for Medicaid in Indiana

Seniors have several options for applying for Indiana Medicaid. If you want to fill out an application in person and receive one-on-one assistance with the process, you can visit your local Division of Family Resources office. You can call the Family and Social Services Administration at (800) 403-0864 to apply for Medicaid coverage over the phone, or you can submit an application online through the Indiana Family and Social Services Administration portal or the Federal Health Insurance Marketplace.

Regardless of how you apply, the acceptance process takes about 90 days, though qualifying individuals may have their application accepted sooner. Seniors can follow up on their applications by calling the FSSA or viewing the application status through the website.

What Information You Will Need 

To apply for Indiana Medicaid, you must have several pieces of information on hand, including:

  • Proof of income 
  • Proof of assets 
  • Birth certificate 
  • Driver’s license 
  • Social Security card 
  • Medicare card and proof of other insurance coverage 

How to Get Help Applying for Medicaid

Seniors in Indiana can get assistance with applying for Medicaid and managing their benefits from several local agencies and helplines. These resources can answer questions you have about getting coverage, enrolling in the Aged and Disabled Waiver and appealing denied Medicaid claims.

ProgramContactAreaServedServices provided
MHS Ombudsman Program(877) 647-5326StatewideThe MHS Ombudsman Program serves as an impartial third party for Hoosiers with Medicaid, helping them understand their benefits and navigate the appeals process if their application is rejected or a medical expense is denied coverage. Seniors can get over-the-phone assistance by calling the program’s helpline between 7 a.m. and 7 p.m. or by visiting one of its three office locations. All services are free and confidential.
American Council on AgingContact FormStatewideThrough the American Council on Aging, you can connect with Medicaid planners in your area who help you qualify for Medicaid and the Aged and Disabled Waiver if your income and assets exceed the program’s limits. The website also has current information on Medicaid’s financial eligibility requirements, waivers and rules on how to apply for coverage.
Indiana Attorney General's Medicaid Fraud Control Unit(800) 446-1993StatewideThe Indiana Medicaid Fraud Control Unit investigates reports of patient abuse, neglect or exploitation from long-term care service providers who accept payment from Medicaid. It also looks into reports of unnecessary health services that inflate billed expenses, charges for services not rendered and double charges.
Indiana Family and Social Services Administration(800) 457-8283StatewideSeniors and their families can find help with Medicaid applications through the Indiana Family and Social Services Administration. Telephone help is available during business hours, and appointments can be made for in-person assistance.

Does Medicare Cover In-Home Care in Indiana?

In general, Medicare does not cover the cost of non-medical home care. That being said, there are situations in which Medicare provides some coverage for medical home care, referred to as “Home Healthcare.” There are several eligibility restrictions for coverage, including that individuals must be homebound and have a referral from their doctor specifically for home healthcare services.

Below is an overview of some of the skilled medical professionals whose in-home services are typically covered by Medicare – for more in-depth information, refer to our Guide to Home Healthcare.

  • Physical Therapists: Physical therapy is used to help patients recover from injuries (broken bones, knee injuries, etc.), treat ongoing conditions such as arthritis, and assist in recovery from surgeries and procedures such as a knee or hip replacement.
  • Visiting Nurses: Licensed nurses can provide a number of medical services for those who don’t need to stay in the hospital, but do need regular medical services such as wound care, changing feeding tubes, etc.
  • Occupational Therapists: Occupational therapists help seniors regain or maintain the ability to accomplish normal, daily tasks, such as bathing, dressing, eating, and other daily activities.
  • Speech Therapists: Speech therapists help seniors who are struggling to adequately communicate due to a stroke, dementia, or any other cause regain the ability to functionally communicate using a variety of means. Additionally, speech therapists help to keep seniors independent by modifying diets, teaching special techniques to swallow safely, and retraining associated muscles.

As mentioned above, in-home care is distinctly different from home healthcare. But, there can be some overlap in services between the two types of care. So, while Medicare doesn’t cover non-medical in-home care, there are in-home care services that may be covered in special circumstances when they’re provided in conjunction with home healthcare (such as an occupational therapist helping with eating or dressing)

Other Financial Assistance Options for In-Home Care in Indiana

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 Resources for Seniors in Indiana

In-home care may be a viable solution for older adults who want to remain in their homes even as their needs change. However, finding affordable care can be a challenge. Through the following resources, older adults in Indiana can find free and low-cost services to bring down the overall cost of their care. These resources can also help seniors identify ways to pay for monthly care costs. 

ResourceContactAreaServedService
Indiana Area Agencies on Aging(800) 713-9023StatewideSixteen Area Agencies on Aging serve Indiana residents aged 60 and over through a broad range of free and low-cost programs. While services vary slightly by region, all agencies provide information and referrals for community-based services, non-emergency medical transportation, financial and legal advice and social and recreational programs. Some agencies provide federally subsidized in-home care services and home-delivered meals, which can help older adults reduce overall monthly care expenses.
Indiana Department of Veterans Affairs(800) 457-8283StatewideThe Indiana Department of Veterans Affairs administers state benefits that may help qualifying individuals to lower their living expenses, including transportation services, property tax deductions and emergency financial assistance. County offices can also screen individuals for federal VA benefits such as Aid and Attendance, which can help cover in-home care costs.
Indiana Legal Services, Inc.(844) 243-8570StatewideIndiana Legal Services is a statewide nonprofit agency that provides free civil legal services to older adults. Its staff can screen individuals for eligibility for public benefits such as Social Security Disability Insurance, Supplemental Security Income and Medicaid. It can also help veterans apply for state and federal benefits.
Indiana Community Action Association(317) 638-4232StatewideThe Indiana Community Action Association provides services and supports to qualifying individuals statewide. Through their local Community Action Partnership, seniors can obtain services such as home-delivered meals, friendly visits and phone calls, case management and volunteer-based transportation services, which may help them reduce in-home care costs.
State Health Insurance Assistance Program(800) 452-4800StatewideThe State Health Insurance Assistance Program is a free program that helps older adults understand their Medicare benefits and research Medigap and Medicare Advantage plans. SHIP counselors can also help older adults determine whether they qualify for Medicare Savings Programs and Medicaid as well as learn how to recognize and protect themselves from Medicare fraud.
Meals on Wheels of Central Indiana(317) 252-5558Central IndianaMeals on Wheels of Central Indiana provides home-delivered meals to qualifying individuals in the Indianapolis area. It partners with the Food is Medicine Coalition to provide medically tailored meals to those managing chronic diseases. Applicants may have to meet income and need-related guidelines to qualify for services, and they may need to provide a donation for their meal. To find their local Meals on Wheels program, seniors outside the Indianapolis region can call 2-1-1 for free assistance with locating services.
Program of All-Inclusive Care for the Elderly(888) 673-00025 service areaPACE provides social and medical services to those aged 55 and over dually eligible for Medicare and Medicaid. This program is open to those who qualify for nursing home level care but want to continue living in their own homes. Through their local PACE program, seniors can obtain homemaker services, home-delivered meals, wellness services and primary care. Those who don’t qualify for Medicaid are required to pay a copay for services.

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.

TopicRule
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

How to Find an In-Home Care Provider in Indiana

Whether you are looking for yourself or a loved one, finding a quality home care provider can be a stressful process. When you hire an in-home care aide you’re placing a lot of trust in the hands of the person by inviting them into your home, so you’ll want to be diligent in your search. At Caring.com, we’re here to help – we’ve created a helpful checklist below that can help guide you through the process of both determining your needs and finding a home care agency that will provide the best care possible.

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Finding a Home Care Provider Checklist
Finding a Home Care Provider Checklist

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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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