Home Care in Terre Haute, IN
The Central Indiana city of Terre Haute has a little over 58,000 residents and a senior community accounting for 15.3% of the population compared to the national average of 16.5%. It’s among Indiana’s most affordable cities; its low housing prices may help older adults conserve retirement income. The city also has high-performing hospitals such as Union Hospital and Terre Haute Regional Hospital. Seniors pay approximately $3,623 per month for home care, well below the national median. It includes services such as housekeeping, meal preparation and personal care. This care type is comparable to home health care, which includes skilled nursing services and is for seniors needing medication administration services, therapy or chronic disease management.
Below we’ve compiled a comprehensive directory of every home care provider in the Terre Haute 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.
Directory of Home Care Services in Terre Haute, IN
1452 S 25th St , Terre Haute, IN, 47803
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Paying for Home Care in Terre Haute, IN
The Cost of Home Care in Terre Haute, IN
In Terre Haute, home care agencies charge an average of $3,623 per month for services, making this city a budget-friendly option for seniors. By comparison, statewide, home care rates average $4,767 per month, and nationally, agencies charge $4,957. Most Indiana cities have more expensive care, including Columbus, where rates are cheaper than the state median but higher than Terre Haute’s average at $4,553. In the capital city of Indianapolis, seniors pay $5,053 for care, and in Elkhart, rates exceed Terre Haute’s average by over $2,000 at $5,768.
The United States
The Cost of Home Care vs. Other Senior Care Options in Terre Haute, IN
Home-based care is the most affordable senior care option in Terre Haute, with seniors paying $3,623 for basic home care and specialized home health care. Those who receive these services in residential communities spend a monthly average of $4,948 for assisted living. Home care is also significantly cheaper than nursing home care, which costs $6,692 for semiprivate accommodations. Cost data for adult day health care isn’t available for Terre Haute, but Indiana’s monthly average rate for this type of care is $1,733.
Home Health Care
Nursing Home Care (semiprivate room)
Financial Assistance for Home Care in Terre Haute, 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 Terre Haute, IN
In Terre Haute, there are numerous agencies and programs that serve older adults, helping them maintain their independence and safety at home. This table highlights top resources in the region that provide services such as low-cost home-delivered meals, transportation and companionship, which may help seniors avoid assisted living or nursing home placement.
The Area 7 Agency on Aging promotes the independence and quality of life of older adults in the Terre Haute region. This private, nonprofit agency houses the Aging & Disability Resource Center, which provides unbiased options counseling and referrals for community-based resources, which may help you find low-cost home care services. The agency also provides direct care for older adults in Terre Haute through its Home Care program. Through this program, you can obtain affordable attendant care, home-delivered meals, home modifications and personal emergency response systems.
The Western Indiana Community Action Agency, Inc., has programs to help you improve your home’s comfort while reducing your energy bills. The Weatherization Program offers free upgrades and replacements of furnaces, gas water heaters and gas appliances, installing more energy-efficient units for qualified individuals, and the Energy Assistance Program assists with high gas and electric bills. The agency also operates a medical assistance program to improve access to medical care, and it has volunteer opportunities for older adults. In most cases, the agency bases eligibility for services on income.
The local Meals on Wheels program provides home-delivered meals to qualifying individuals in Terre Haute and the surrounding region. In addition to meal services, the organization has a Caring Connections program that offers phone reassurance services, and it operates the Clothing Closet, which provides seasonal clothing for seniors. The organization also hosts an annual Thanksgiving dinner and sends birthday and holiday cards and gifts.
Indiana 211 is a free helpline that provides information and referrals to all Indiana residents. Its information specialists can help you connect with community-based services to meet your needs. Some services you may find through the helpline include home modification services, home-delivered meals, transportation and chore services. This helpline is available 24 hours per day, seven days per week.
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 – oftentimes 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.
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.
Frequently Asked Questions
What types of services can a home care agency in Terre Haute provide?
Home care agencies in Terre Haute provide non-medical services that may enable older adults to continue living in their own homes. Services may include help with managing household bills, providing transportation for errands and medical appointments, grocery shopping, meal preparation and light housekeeping and laundry. Home care attendants also help with daily living activities such as personal grooming and bathing, eating, medication reminders and mobility.
How many home care agencies are there near Terre Haute?
Seniors in Terre Haute have four home care agencies to choose from, three of which are part of nationwide companies and one that operates only in Indiana. To determine which agency is best for your needs, you may consider options such as client recommendations, pricing, whether the agency has availability and whether it accepts your preferred method of payment.
What is the difference between in-home care and home health care?
In-home care provides help with activities that become more challenging with age. It includes non-medical services, including help with daily living activities such as toileting and bathing, as well as assistance with meal planning and preparation, transportation for medical appointments and errands, medication reminders and companionship. Home health care is for those who need limited skilled nursing services such as wound care, monitoring vitals and physical or occupational therapy. A licensed or certified health care provider administers this type of care, and it is typically costlier than in-home care.
Assisted living homes vs. home care: how to decide?
Home care and assisted living feature similar scopes of care and options for older adults who need an extra hand with daily living activities. Many seniors consider price when choosing the best option. Home care costs $3,623 per month. Assisted living is considerably costlier at $4,948, but because it includes living expenses such as housing, meals and recreational activities, it’s the more affordable option for many. Aside from price, consider whether you want to remain in your home or transition to a more social environment, whether you need around-the-clock care and if you wish to hire and manage your own caregivers.
What to expect with hospice care at home?
A doctor, a nurse, a hospice aide, a social worker, a chaplain, a bereavement manager and trained volunteers typically comprise a hospice team and provide emotional support and help with managing physical symptoms. The primary goal of hospice care is to keep the individual as comfortable as possible. It provides regularly scheduled visits by individual team members to evaluate the individual’s physical condition and emotional state and can help with facilitating medication and home medical equipment deliveries.