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The 10 Best Home Care Agencies for Seniors in Ianapolis, IN for 2024

Indianapolis, Indiana’s capital city, ranks 107th out of 302 on the Caring.com 2022 Senior Living Report, indicating that it offers a comfortable environment for older adults. Of the report’s five metrics, Indianapolis scores strongest in Affordability for its economically priced housing options and protections for homeowners. It also has more subsidized housing options per capita than the average U.S. city. State utility disconnection policies and state and local policies for mixed-use neighborhoods make it livable for low-income seniors. On average, home care agencies in Indianapolis charge $5,053 per month for care. This is slightly higher than the cost of home health care, which provides home care services along with skilled nursing services.

Below we’ve compiled a comprehensive directory of every home care provider in the Indianapolis area – complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

Home Care Agencies in Ianapolis, IN

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Paying for Home Care in Indianapolis, IN

The Cost of Home Care in Indianapolis, IN

According to the 2021 Genworth Cost of Care Survey, home care costs $4,957 in the United States and $4,767 in Indiana. In Indianapolis, care costs exceed state and national averages at $5,053, making this one of the state’s most expensive places to obtain care. Bloomington is one of the only cities with high care costs, with fees averaging $5,173. In Kokomo, rates are several hundred dollars lower at $4,576, and in Muncie, care costs are about $700 less than in Indianapolis at $4,385. 

Indianapolis

$5,053

Indiana

$4,767

The United States

$4,957

Muncie

$4,385

Kokomo

$4,576

Bloomington

$5,173

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

Seniors in Indianapolis pay $5,053 for home care, and despite including specialized services, home health care is a little cheaper at $4,957. Assisted living is comparatively affordable at $4,478 per month, and seniors seeking the most economical care option may consider adult day health care, which costs $1,625. Nursing home facilities charge $7,057 per month for shared rooms, making this the most expensive care option in Indianapolis. 

Home Care

$5,053

Home Health Care

$4,957

Adult Day Health Care

$1,625

Assisted Living Facility

$4,478

Nursing Home Facility (semiprivate room)

$7,057

Financial Assistance for Home Care in Indianapolis, 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 Indianapolis, IN

Indianapolis seniors have a vast network of government agencies and nonprofit organizations that help them find the support they need to remain at home. The following resources provide options for counseling and referrals for community-based services, as well as direct services to supplement paid home care, which may help older adults avoid assisted living placement.

ResourceContactService
Perry Senior Services(317) 783-9231Perry Senior Citizens Services is a nonprofit organization that provides a non-emergency medical transportation program for those aged 60 and over in the Perry Township region of Indianapolis. It also operates a food pantry where older adults can obtain nutrition assistance.
CICOA Aging and In-Home Solutions(317) 254-5465The local Area Agency on Aging provides care management services for those aged 60 and over, as well as transportation and congregate and home-delivered meal services. The agency also has a home modifications program to help older adults improve their homes' accessibility and safety, along with a caregiver support program.
Indianapolis Regional Office(800) 827-1000Indianapolis is home to one of the VA’s regional offices. At this location, veterans can get personalized assistance with applying for Aid and Attendance and determining eligibility for the veterans' home care program. They can also apply for state and federal benefits, including tax exemptions, financial assistance and medical care.
Jewish Family Services (JFS) Senior Services(317) 726-5450The Jewish Federation of Greater Indianapolis provides a range of services to seniors from all walks of life. Through this agency, you can access monthly or bimonthly in-home care, transportation services and a medical equipment lending library. It also provides reduced rates on Personal Emergency Response Systems.
Meals on Wheels(317) 252-5558Meals on Wheels provides medically tailored meals to housebound seniors in Indianapolis. This nonprofit, privately funded organization operates four programs, including the traditional home-delivered meal program, Ryan’s Meals for Life, EMBRACE for low-income individuals and the Medicaid meal delivery program. Hot and cold meal options are available across all programs.

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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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

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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