The 3 Best Home Care Agencies for Seniors in Columbus, IN for 2025

Columbus has some of the most affordable home care costs in the state, at around $200 less than the state average and $400 less than the national average. Seniors in both Indianapolis and Lafayette typically pay around $5,053 per month for home care — $500 more than in Columbus. In nearby Bloomington, costs are slightly higher at around $600 more than Columbus. To the north of the state, Fort Wayne is one of the least affordable cities for home care as it costs around $800 more than in Columbus.

Home care and assisted living carry a similar cost in Columbus, with assisted living costing around $100 more per month on average. Home health care, which includes medical services such as medication administration, is slightly more expensive than home care, at $4,767 per month. The most affordable long term care option is adult day care, which costs around $1,100 less than home care. For seniors who require the most comprehensive care, a semiprivate room in a nursing home costs around $7,574 per month. 

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.