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

Last Updated: June 5, 2024 -

Located in the heart of Indiana on the White River, the capital city of Indianapolis accommodates seniors who need daily nonmedical care through 100 home care agencies. These agencies charge a baseline rate of around $5,911 in 2024, surpassing state and national medians by hundreds of dollars. Home care differs from home health care, which features skilled nursing services.

Our directory helps you find the right home care agency for your needs by highlighting experiences from local clients through review reviews. Based on this feedback, we record the overall quality rating of local agencies at stars. 

Home Care Services in Indianapolis, Indiana

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Paying for Home Care in Indianapolis, IN

The Cost of Home Care in Indianapolis, IN

In Indianapolis, home care agencies charge around $5,911 per month, according to the 2024 Genworth Cost of Care Survey, which runs considerably higher than the Indiana median of $5,053. Additionally, fees surpass the national norm by around $190. Even so, local rates compare favorably to monthly fees in Terre Haute, where seniors pay an additional $1,300.

Indianapolis

$5,911

Indiana

$5,053

United States

$5,720

Terre Haute

$7,245

Cincinnati, OH

$6,101

Springfield, OH

$6,864

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

At $5,911 per month, the median rate of home care in Indianapolis compares favorably to home health care, which includes skilled nursing services and costs about $6,673 per month, and adult day health care, which costs around $6,056. Nursing homes charge even higher rates of about $7,809. However, for seniors seeking more economically priced care, assisted living facilities provide a similar scope of services along with housing for around $3,993 per month.

Home Care

$5,911

Home Home Care

$6,673

Adult Day Health Care

$6,056

Assisted Living Facility

$3,993

Nursing Home Care (semi-private room)

$7,908

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.

Download
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.

Download
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

In Home Care near Indianapolis, IN

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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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