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The 10 Best Home Care Agencies for Seniors in Crown Point, 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 Crown Point, IN, residents and their loved ones rate In Home Care agencies 4.75 out of 5 stars across the 27 options below.

Home Care Agencies in Crown Point, IN

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Paying for Home Care in Crown Point, IN

The Cost of Home Care in Crown Point, IN

According to the 2021 Genworth Cost of Care Survey, on average, seniors in Crown Point pay $5,148 per month for home care. This is about $380 more than the statewide average in Indiana and almost $200 more than the national average. While Crown Point’s prices are more than the state and national averages, they’re lower than comparable cities. Michigan City is $477 higher per month, and South Bend and Chicago are $524 higher per month.

Crown Point

$5,148

Indiana

$4,767

United States

$4,957

South Bend

$5,672

Michigan City

$5,625

Chicago, IL

$5,672

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

There are several long-term care options in Crown Point. Although there is no specific data for Crown Point, the most affordable care statewide is adult day health care, costing $1,733 per month. Assisted living is a long-term residential alternative that costs $525 less than home care. Home health care, which includes medical services typically provided by licensed nurses and/or therapists, also has a monthly cost of $5,148. Seniors who need around-the-clock care have the option of a semiprivate nursing home room for $7,133 per month, which is costlier than home care.

Home Care

$5,148

Home Health Care

$5,148

Assisted Living

$4,623

Nursing Home Care (semiprivate room)

$7,133

Note: Data for Crown Point was unavailable, so data for the nearest city, Kankakee, IL, was used instead.

Financial Assistance for Home Care in Crown Point, 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 Crown Point, IN

Federal laws ensure that seniors in Crown Point have access to helpful resources, such as Meals on Wheels, transportation and recreational programming. Additional programs can help seniors manage their day-to-day expenses and personal needs by helping with errands, chores and home repairs.

ResourceContactService
Northwest Indiana Community Action(219) 794-1829This community service agency offers dozens of programs that benefit seniors, veterans, low-income families and residents with special needs. Seniors can contact the agency for information about in-home care, utility bill assistance, nutrition benefits and housing vouchers.
Lake County Community Services(219) 663-0627LCCS focuses on connecting seniors and disabled residents with local, state and federal benefits. It offers utility assistance, on-demand curb-to-curb transportation, senior lunches and other services to qualifying residents in Lake County.
Meals On Wheels of Northwest Indiana(219) 756-3663This local Meals on Wheels program delivers over 1,700 meals daily to seniors who are unable to cook or shop for themselves. Meals cost $5.99 and are billed monthly. Special low-carb and kidney-friendly dietary options are available.
Community Partners for Affordable Housing(847) 263-7478, Ext. 10CPAH offers financial assistance programs for current and future homeowners. Seniors may qualify for grants or zero-interest loans to fund up to $20,000 or $40,000 in repairs to address safety issues or improve the home's accessibility.
Crown Point Senior Programming(219) 662-3250Located in Bulldog Park, the Franciscan Health Recreation Center offers senior-friendly programming Monday through Friday. Activities include bingo, scrabble, line dancing, low-impact exercise and afternoon movies.

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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