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The 10 Best Home Care Agencies for Seniors in Clive, IA for 2024

Clive is a bustling small city just minutes outside Des Moines, offering access to urban amenities with a suburban feel. Of the 18,814 people who call Clive home, 14.8% are seniors 65 and older. Seniors here have access to an above-average 262 physicians per 100,000 people and access to high-quality hospitals such as MercyOne Des Moines Medical Center. For those who choose to age in place with nonmedical support, in-home care averages $5,815 per month, according to the 2021 Genworth Cost of Care Survey. This is the same cost as home health care; however, home health care also provides medical services such as skilled nursing or physical, speech and occupational therapies.

Below we’ve compiled a comprehensive directory of every home care provider in the Clive 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.

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Home Care Agencies in Clive, IA

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Paying for Home Care in Clive, IA

The Cost of Home Care in Clive, IA

In-home care in Clive costs an average of $5,815, according to the Genworth Cost of Care Survey — $286 more per month than the state average and $858 more than the U.S. average. Cost-conscious seniors may find cheaper options elsewhere in the state, such as in Ames, where care costs $5,625. Prices are lower in Cedar Rapids, where care costs about $300 less than in Clive. Both Iowa City and Waterloo share the same monthly average cost and are just over $1,000 less expensive than Clive.

Clive

$5,815

Iowa

$5,529

United States

$4,957

Ames

$5,625

Iowa City

$4,767

Waterloo

$4,767

Cedar Rapids

$5,529

The Cost of Home Care vs. Other Senior Care Options in Clive, IA

Both home care and home health care cost $5,815 per month, although home health care also offers skilled medical care. Assisted living provides round-the-clock assistance at a lower price point of $4,803 per month. However, seniors with more extensive medical needs may benefit from a semiprivate nursing home room for a higher cost of $7,148 per month. The most affordable option in Clive is adult day health care, which is around $4,300 less per month than home care.

Home Care

$5,815

Home Health Care

$5,815

Adult Day Health Care

$1,517

Assisted Living

$4,803

Nursing Home Care (semiprivate room)

$7,148

Note: Data for Clive was unavailable, so data for the nearest city, Des Moines, was used instead.

Financial Assistance for Home Care in Clive, IA

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 Clive, IA

Seniors in Clive have access to several free and low-cost resources that may enable them to safely age in place at home. These resources provide assistance with accessing healthy food, property tax relief, emergency home repairs or lowered energy bills. Each of these resources has eligibility requirements, and those seeking more information should visit the provided websites or contact the programs by phone. 

ResourceContactService
WesleyLife Meals on Wheels(515) 699-3243Seniors can receive low- or no-cost meals delivered straight to their doors through the Meals on Wheels program. Nutrient-dense meals are prepared with a range of potential accommodations, including low-sodium, diabetes-friendly and texture-modified. Drivers also perform welfare checks.
Emergency Home Repair Program(515) 286-3356Though available to all low-income individuals, the Emergency Home Repair Program prioritizes the elderly and disabled. It provides grants for home repairs up to 20% of the assessed property value or $12,000. Repairs are completed at no cost or for minimal contributions. Income and other eligibility requirements apply.
Property Tax Relief(515) 286-3060Seniors in Polk County may qualify for property tax relief programs. The Senior & Disabled Property Tax Credit offers up to $1,000 in credits. The Property Tax Suspension Program allows taxes to be deferred until the property is sold or the property owner passes away.
Low-Income Home Energy Assistance Program (LIHEAP)(515) 518-4770LIHEAP provides home energy assistance to eligible applicants, including seniors. This involves a one-time payment based on income, family size and type of fuel used for heat. People who have received disconnection notices or have had their energy disconnected may qualify for funds to restore power.
Weatherization Assistance Program(515) 518-4770Seniors in need of weatherization to improve the energy efficiency of their homes may qualify for the Weatherization Assistance Program. Applications are processed by IMPACT Polk County and automatically include an application for LIHEAP. Repairs may include adding insulation, replacing combustion appliances, repairing heating systems or installing energy-efficient lighting.

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 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.

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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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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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