The 5 Best Home Care Agencies for Seniors in Terre Haute, IN for 2024
Terre Haute, Indiana, is a hidden gem in the Midwest. The city’s population is 58,525, and 15.3% of the population are seniors, which is lower than the national average of 16.8%. The cost of living in Terre Haute is lower than the U.S. average by 25.7%. Both home care, offering support with tasks such as meal prep and personal hygiene, and home health care, offering skilled nursing services, in Terre Haute average $3,623 per month, according to Genworth Financial’s 2021 Cost of Care Survey. The Terre Haute Regional Hospital, which has received excellent patient safety ratings for the past 12 years in a row, is located nearby.
Below we’ve compiled a comprehensive directory of every home care provider in Terre Haute– 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.
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Home Care Agencies in Terre Haute, IN
Sent From Heaven
8106 Wagman St, Camby, IN, 46113
"My mother in law recently had a stroke. She’s now home from rehab but still needs 24/7 assistance, and we can’t always be there. Sent from Heaven comes in and takes excellent care of her as if she’s family! We never have to worry about her well-being..."READ MORE
Visiting Angels Living Assistance Services of Terre Haute, IN
1452 S 25th St , Terre Haute, IN, 47803
Paying for Home Care in Terre Haute, IN
The Cost of Home Care in Terre Haute, IN
Home care in Terre Haute is more affordable than in most other comparable cities in the United States. On average, home care in Terre Haute costs $3,623 per month, while the same type of care costs $5,053 per month in Indianapolis and $5,173 per month in Bloomington. Home care in Terre Haute is also significantly cheaper than the state average of $4,767 and the national average of $4,957 per month.
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 When it comes to senior care, there are many options available. In Terre Haute, home care and home health care cost the same at $3,623 per month. Home care covers in-home support such as light housekeeping and mobility, while home health care includes light medical services performed by a licensed medical worker. The next most affordable option is assisted living at $4,948 per month. If there is a need for more intensive care, nursing home care (semiprivate room) costs $6,692 per month on average. Ultimately, the best care option will depend on specific needs and budget.
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.
|Area 7 Agency on Aging
|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.
|Western Indiana Community Action Agency, Inc.
|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.
|Terre Haute Area Meals on Wheels
|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.