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The 10 Best Home Care Agencies for Seniors in Zionsville, 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 Zionsville, IN, residents and their loved ones rate In Home Care agencies across the 31 options below.

Home Care Agencies in Zionsville, IN

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Paying for Home Care in Zionsville, IN

The Cost of Home Care in Zionsville, IN

According to Genworth’s 2020 Cost of Care Survey, the price of home care in Zionsville is on par with Indiana’s state average of $4,385 and about $100 cheaper than the national average of $4,481. Seniors pay slightly less to the southeast in Columbus, where rates average $4,147. In Bloomington, prices rise to $4,767, which is $382 more than what residents of Zionsville pay. Muncie offers some of the lowest home care rates in the state at $4,099. North of Zionsville in Kokomo, rates increase to $4,576. 

Zionsville

$4,385

Indiana

$4,385

The United States

$4,481

Columbus

$4,147

Bloomington

$4,767

Muncie

$4,009

kokomo

$4,576

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

Seniors in Zionsville have other choices for care. Compared to the average cost of $4,385 for home care, home health care is $382 more expensive at $4,767. It costs more because it includes medication administration, wound care, physical therapy and other skilled nursing services. Daytime-only adult day health care is the cheapest option at $1,679 per month. Assisted living averages $4,573, while a semiprivate room in a nursing home costs $7,209.

Home Care

$4,385

Home Health Care

$4,767

Adult Day Health

$1,679

Assisted Living

$4,573

Nursing Home Care (semi-private room)

$7,209

NoteData for Zionsville was unavailable, so data for the nearest city, Indianapolis, was used instead.   

Financial Assistance for Home Care in Zionsville, 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 Zionsville, IN

The city of Zionsville and Boone County offer many free and low-cost resources for seniors who wish to live in their own home for as long as possible. These include bill payment assistance, meal delivery, accessibility modifications and programs that can make a senior’s home more comfortable during the winter months.

ResourceContactService
Zionsville Meals on Wheels(317) 258-9853Through this nonprofit organization, volunteers deliver meals to seniors who can't cook for themselves due to age, injury, disability or illness. Meals are prepared by trained dietitians, nutritionally balanced and can be made to accommodate a variety of special dietary needs. Seniors can request delivery up to five days per week on Monday through Friday.
Utility Payment Assistance(765) 447-7683Indiana's Low-Income Home Energy Assistance Program (LIHEAP) provides funding that can help seniors offset the cost of their heating, water and electric bills. Funds are paid directly to the utility company on a senior's behalf. Residents who are at risk of imminent utility shut off may be eligible to receive emergency assistance. To qualify, seniors must have a household income at or below 60% of the state median income.
Weatherization Services(765) 447-7683The Area IV Agency on Aging provides free weatherization services for seniors and low-income residents of Boone County. These include insulating attics, walls and crawl spaces, sealing ductwork, and repairing or replacing furnaces and water heaters with energy-efficient models.
Habitat for Humanity Home Repair(765) 483-5134Habitat for Humanity volunteers perform affordable housing repairs and modifications for low-income seniors in Boone County. Seniors can request repairs to roofs, windows, walls, gutters and doors. Other services include landscaping, painting, power washing exterior surfaces and the installation of wheelchair ramps and handrails. Services are priced on a sliding scale based on the recipient's income and ability to pay.
Boone County Senior Services(765) 482-5220Boone County Senior Services provides information about long-term care options, wellness programs and local resources that help older adults who need assistance while living at home. It offers a Personal Service program, which includes personal care at home, light housekeeping, grocery shopping and respite for family caregivers. Isolated seniors can sign up for its Friendly Visitor program to receive wellness checks and help with basic errands once 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.

Download
Checklist for determining the need for home care
Checklist for determining the need for 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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