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The 10 Best Home Care Agencies for Seniors in Lexington, KY for 2024

Caring’s 2022 Senior Living Report shows that Lexington, Kentucky is the number one location for seniors in the state. People choosing to retire to the city can access discounted bus fares, allowing them to conveniently visit local shops and restaurants. It has a low cost of living and retiree budgets are boosted as there are no state income taxes on Social Security benefits. Home care costs in the city average $4,957 per month, according to the 2021 Genworth Cost of Care Survey. The city is among the top five in the country for the number of dentists per capita and has an above-average number of other health care providers. Lexington is also home to Kentucky’s highest-ranked hospital, the University of Kentucky Albert B. Chandler Hospital, which has a high-performing geriatrics department.

Below we’ve compiled a comprehensive directory of every home care provider in Lexington– 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 Lexington, KY

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Paying for Home Care in Lexington, KY

The Cost of Home Care in Lexington, KY

According to the 2021 Genworth Cost of Care Survey, average home care costs in Lexington are equal to the national average at $4,957. However, seniors pay almost $200 more than the Kentucky average, and costs in the city are high when compared to most other parts of the state. One exception is Elizabethtown, with average costs roughly $100 higher than prices in Lexington. Prices in Bowling Green and Louisville are slightly lower, while in northwest Kentucky, Owensboro offers significantly more affordable home care.

Lexington

$4,967

Kentucky

$4,767

The United States

$4,957

Bowling Green

$4,811

Elizabethtown

$5,053

Owensboro

$3,813

Louisville

$4,767

The Cost of Home Care vs. Other Senior Care Options in Lexington, KY

The average costs of home care and home health care in Lexington are the same despite home health care also including light medical services such as wound care and administering medication. Seniors who wish to remain living at home can also try adult day care, which is the most affordable option and offers care in a group setting during normal working hours. Assisted living costs almost $400 less than home care, while nursing home care is the most expensive option at $6,996.

Home Care

$4,957

Home Health Care

$4,957

Adult Day Health Care

$1,690

Assisted Living

$4,568

Nursing Home Care (semiprivate room)

$6,996

Financial Assistance for Home Care in Lexington, KY

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.

Lexington Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Lexington:

ResourceContactAddressService
Homecare Program(502) 564-6930275 E. Main St. 3E-E, Frankfort, KY 40621Homecare Program, offered by the Kentucky Cabinet for Health and Family Services, provides eligible seniors in Lexington with services such as home management, chore assistance, home repair and home-delivered meals. Caregivers and family members may be eligible to receive respite care services, and additional resources are also available. The program is free of cost; however, to qualify, seniors must be aged 60 or older and be unable to perform at least two activities of daily living.
Senior Community Service Employment Program(833) 439-7759130 W. New Circle Rd., Ste. 110, Lexington, KY 40507Offered by Goodwill Industries of Kentucky, the Senior Community Service Employment Program connects seniors in Lexington with paid on-the-job training and employment with local nonprofits and community organizations. Career coaches provide additional support to seniors on an individual basis. The program is funded in part by a national Department of Labor (DOL) grant. To qualify, seniors need to be 55 years of age or older and have low incomes.
Health Promotion Program(859) 266-1116699 Perimeter Drive Lexington, KY 40517The Health Promotion Program offered by the Bluegrass Area Agency on Aging and Independent Living is funded through the Older Americans Act. Program participants are eligible for various health promotion and disease prevention education services. There is no cost associated with the program, but seniors must be 60 or older to qualify. The agency also facilitates a Diabetes Prevention Program, which aims to prevent type-2 diabetes in at-risk seniors.
Meals On Wheels Lexington(859) 276-53911675 Strader Dr. Lexington, KY 40505Meals on Wheels delivery service is available to seniors in Lexington. Once enrolled, seniors receive three meals per day delivered to their homes at a subsidized rate. The meals are prepared and provided by volunteers from two local churches: the Trinity Baptist Church and the Second Presbyterian Church. There is no set age requirement; however, applicants must be unable to provide or prepare their own meals.
Homestead Exemption(502) 564-3226501 High St, Frankfort, KY 40601This property tax exemption, offered through the Kentucky Department of Revenue, is available to eligible senior homeowners aged 65 or above in Lexington. The exemption reduces any property taxes owed for the year. Eligible seniors can apply for the exemption through the property valuation administrator in Fayette County. An application must be submitted each year to continue receiving the exemption.

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.

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Checklist for determining the need for in-home care
Checklist for determining the need for in-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
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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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