The 10 Best In-Home Care Services for Seniors in Des Moines, IA for 2023
In Caring’s 2022 Senior Living Report, Des Moines, Iowa, is listed among the best retirement destinations. Situated along the Des Moines River, the city offers seniors a low cost of living and a comfortable year-round climate with many indoor and outdoor recreational activities. Des Moines is home to several high-performing hospitals, including MercyOne Des Moines Medical Center and Iowa Methodist Medical Center. According to the 2021 Genworth Cost of Care Survey, seniors pay a monthly average of $5,815 for home care, which includes personal care. Home health care is available for those who need light medical services.
Below we’ve compiled a comprehensive directory of every home care provider in the Des Moines 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 In Home Care Services in Des Moines, IA
Home Instead - Des Moines, IA
414 61st St
"We've had a wonderful experience with Home Instead. They're awesome and one of the best. They went above and beyond calling and giving me updates and giving my parents rides. They made sure my dad made his doctor's appointments. They're incredible..."
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Care by April
2348 Northwest 75th Avenue
"Tina & the rest of the crew that has helped with Grandma (whom is 95) are so caring, passionate and have a Great way of dealing with elderly that have dementia, they are so patient with Gramms and get her to participate a bit more than she no..."
A Plus Home Care Services and Supplies
2301 West First Street
"A Plus Home Care is very good. They've been in business for four years. The lady that founded it has been a registered nurse for 4 years. She has 40 people that works for her. Part of them are registered nurses and part of them are caretakers. She..."
HCI ExtraCare Services
2910 Westown Parkway
"Formerly known as Hospice of Central Iowa, HCI Care Services is a not-for-profit, independent healthcare organization, which brings comfort and supportive care to individuals and their families. Serving families since 1978, we have a long history of..."
Cerro Gordo County Dept. of Public Health - Mason City
Mohawk Square, 3rd Fl, 22 N Georgia Av
"The Cerro Gordo County Department of Public Health is located in Mason City, Iowa, in North Central Iowa. We are approximately two hours south of Minneapolis/St. Paul and two hours north of Des Moines, the Iowa state capitol. Mason City's population ..."
Paying for Home Care in Des Moines, IA
Genworth’s 2021 Cost of Care Survey reports that monthly home care costs in Des Moines are $286 more than the state median of $5,529 and $858 more than the national median of $4,957. Waterloo’s prices are the lowest for in-home care. Average costs in Davenport and Sioux City are $667 and $476 less than in Des Moines, and at $5,625, rates just north of the city in Ames are $190 lower.
The Cost of Home Care in Des Moines, IA
The United States
The Cost of Home Care vs. Other Senior Care Options in Des Moines, IA
Des Moines offers seniors several long-term care options depending on their needs and living preferences. Home care costs $5,815, which includes personal care and assistance with household chores, and costs the same as home health care, which involves limited skilled nursing services and rehabilitation therapy. At $1,517, adult day care is the most affordable option. Assisted living costs about $1,000 less than in-home care at an average of $4,803 per month. Nursing homes charge $7,148 for semiprivate accommodations, making it the most expensive alternative with a monthly increase of $1,333.
Home Health Care
Adult Day Health Care
Assisted Living Facility
Nursing Home Facility (semiprivate room)
Financial Assistance for Home Care in Des Moines, 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 Des Moines, IA
Seniors in Des Moines have access to many home care resources to help them age in place. Free and low-cost programs and services can help with home modification and repairs, energy and utility bill assistance, nutritional programs and other related services. The following resources help older adults connect with community services, so they can safely remain in the comfort of their homes.
|Iowa Department on Aging||(866) 468-7887||The Iowa Department on Aging provides resources to help Iowans aged 60 and older maintain their health and independence while remaining in their homes. Representatives can connect them to health and nutrition programs, caregiver support, case management, home modification services, legal assistance, abuse prevention, and the long-term care ombudsman program.|
|Iowa Department of Human Rights Division of Community Action Agencies||(515) 242-5655||The Iowa Department of Human Rights Division of Community Action Agencies connects Iowa residents with government and nonprofit organizations to help with food, utility assistance, the Low-Income Home Energy Assistance Program and the Weatherization Assistance Program.|
|Rebuilding Together||(515) 284-7403||Rebuilding Together is a volunteer organization that helps older adults, disabled people and veterans repair and modify their homes, so qualified residents can safely remain in their homes.|
|WesleyLife||(515) 978-2777||WesleyLife helps seniors remain in the comfort of their homes while aging in place. At-home services include in-home care, adult day care, hospice and hot weekday meal and frozen weekend meal deliveries to older adults and military veterans.|
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.
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.