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The 10 Best Home Care Agencies for Seniors in South Bend, 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 South Bend, IN, residents and their loved ones rate In Home Care agencies across the 15 options below.

Home Care Agencies in South Bend, IN

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Paying for Home Care in South Bend, IN

The Cost of Home Care in South Bend, IN

In South Bend, the Genworth 2021 Cost of Care Survey reports that home care agencies charge average monthly rates of $5,672 for nonmedical services. This is significantly higher than the Indiana norm of $4,767 and the national average of $4,957. In nearby Elkhart, rates are about $100 higher, but home care costs in other nearby surveyed cities tend to be lower. Seniors in Fort Wayne spend about $330 less on care than South Bend residents, and in Lafayette, monthly fees for full-time care average $5,053. In Kokomo, rates average about $1,100 below South Bend’s norms. 

South Bend

$5,672

Indiana

$4,767

United States

$4,957

Elkhart

$5,768

Fort Wayne

$5,339

Kokomo

$4,576

Lafayette

$5,053

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

Seniors in South Bend pay $5,672 for in-home care, which includes nonmedical personal care and support services, and home health care, which also features skilled nursing. Living at home is a financially viable option for many seniors who qualify for nursing home care, which has base monthly rates of $8,366. However, older adults may save about $2,400 per month, plus living expenses, by opting for assisted living.

Home Care

$5,672

Home Health Care

$5,672

Assisted Living

$3,308

Nursing Home Care (semiprivate room)

$8,366

Financial Assistance for Home Care in South Bend, 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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

 

South Bend Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in South Bend:

ResourceContactAddressService
Energy Assistance Program(574) 233-82051151 S. Michigan St., South Bend, IN 46601The Energy Assistance Program is funded by the federal government and the state of Indiana. The program is run by the nonprofit organization, Real Services, in the city of South Bend. The aim of this program is to assist low-income households with electric and heating expenses during the winter months. Priority is given to seniors and families with young children. Income restrictions do apply. This is a grant and the money does not need to be paid back. Benefits differ depending on the size of the household, income and utility costs.
Meals on Wheels(574) 256-1649Multiple LocationsReal Services is a nonprofit organization that runs a Meals on Wheels services in South Bend. The program delivers one nutritious meal each day to homebound seniors in the city. To be eligible, seniors must be over the age of 60 and unable to cook for themselves and have no caregiver to cook a meal for them. The volunteers who deliver the meals provide a moment of contact with the community for many seniors and the volunteers can contact authorities if the senior doesn’t open the door or seems unwell. There is a small charge for the service but financial assistance is available if required. Special diets can be accommodated if requested in advance. 
Home Repairs(574) 233-0311227 West Jefferson Blvd., South Bend, Indiana 46601The city of South Bend has a program to help residents carry out minor repairs or improvements on their homes. The funds are provided by the city as a grant and do not need to be paid back to the city. Program eligibility is subject to income restrictions and priority is given to seniors and homes with young children. The program assists with non-emergency repairs such as repairing leaky faucets, replacing broken doorbells and poorly sealed windows and repairs that lower utility bills. 
Transportation(574) 284-71741151 S. Michigan St., South Bend, IN 46601Real Services is a nonprofit organization that provides door-to-door transportation services to seniors. The program employs staff members who will transport seniors to medical appointments, social services offices, medical appointments, banks and any other places they may need to go. Transport is available from Monday to Friday each week and must be booked in advance to ensure a driver is available. There is no charge for this service but donations are appreciated as the program only receives limited federal and state funding. 

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

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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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