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The 10 Best Home Care Agencies for Seniors in Carmel, IN 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 Carmel, IN, residents and their loved ones rate In Home Care agencies 4.07 out of 5 stars across the 43 options below.

Home Care Agencies in Carmel, IN

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Paying for Home Care in Carmel, IN

The Cost of Home Care in Carmel, IN

The cost for home care in Carmel is about $100 more than the national average. It’s also about $300 more than the average for Indiana according to Genworth’s Cost of Care Survey. Compared to other Indiana cities, Carmel’s home care costs are middle-of-the-road. Fort Wayne and South Bend have more expensive median prices: $286 more and $619 more respectively. Seniors find more affordable care in Evansville, where the average is about $750 less than in Carmel, and in Terre Haute, where rates are about $1,400 less.

Carmel

$5,053

Indiana

$4,767

United States

$4,957

Evansville

$4,290

Fort Wayne

$5,339

South Bend

$5,672

Terre Haute

$3,623

The Cost of Home Care vs. Other Senior Care Options in Carmel, IN

The average cost of home health care in Carmel is $96 less than the median for home care. However, some families will pay more for home health care because it requires work from medical professionals. Some seniors may be able to save money by using adult day home health care, which costs about $3,400 less than home care. Assisted living is also less expensive by about $600 per month. Only seniors that need constant medical supervision will utilize nursing homes, which cost $2,000 more per month than home care.

Home Care

$5,053

Home Health Care

$4,957

Adult Day Health Care

$1,625

Assisted Living

$4,478

Nursing Home Care (semiprivate room)

$7,057

Note: Data for Carmel was unavailable, so data for the nearest city, Indianapolis, was used instead.

Financial Assistance for Home Care in Carmel, IN

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 Carmel, IN

There are many free and affordable resources for seniors in Carmel who want to age in place. The city and state governments, as well as local nonprofits, can deliver meals, provide legal advice, schedule paratransit service and offer care management.

ResourceContactService
Together Today(317) 674-8777Together Today organizes social gatherings for seniors throughout Hamilton County who want to make friends and participate in a variety of fun activities. The program is free, and transportation is offered upon request. Together Today has meetings once a week in Carmel at the Orchard Park Presbyterian Church.
Carmel Senior Programs(317) 848-7275The City of Carmel offers an array of programs designed to enrich the lives of older adults. Seniors can learn tai chi, play in the bridge club, appreciate the city's parks and learn from professional artists in the community. The city accepts ADA modification requests to improve inclusivity.
Meals on Wheels of Central Indiana(317) 252-5558Homebound seniors in Carmel who can't access or prepare meals can get medically tailored meals daily from Meals on Wheels. Seniors who apply for this program can start getting deliveries in as little as 1 week. There is a seven-step approval process that requires a prescription from a physician.
Indiana Legal Services(844) 243-8570Seniors needing help with legal issues ranging from powers of attorney to guardianship and real estate planning can reach out to Indiana Legal Services for free assistance. This nonprofit firm is only able to assist clients with $8,000 or less in assets who are legal residents of the United States.
CICOA Aging & In-Home Solutions(800) 432-2422The Central Indiana Council of Governments offers free care management services that homebound seniors in Carmel can use to get in-home assistance. Additionally, assistants can counsel seniors about their financial options and arrange for home modifications that make aging in place possible.
IndyGo(317) 635-3344IndyGo offers half fares on all routes for riders aged 65 and older. Disabled seniors who can't use fixed routes can request paratransit services from IndyGo Access. This service is available to riders within 3/4 of a mile of a route as well as beyond this area for a higher price.

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.

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Checklist for determining the need for in-home care
Checklist for determining the need for in-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

Frequently Asked Questions

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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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