Home Care in Louisville, KY
Ranked as one of the nation’s best places to retire in Caring’s 2019 Senior Living Report, Louisville, Kentucky, is a vibrant Southern city known for having a unique blend of historic charm and modern amenities. According to the Genworth 2020 Cost of Care Survey, the average monthly cost of home care in Louisville is $4,195, which is slightly higher than Kentucky’s statewide average of $4,052. Louisville home care services provide seniors with nonmedical support, such as personal care services. Seniors who require light medical care at home may be better suited for home health care, and specialized emergency and acute medical services are readily available at the U of L Hospital, the 519-bed Baptist Health Louisville hospital and the Norton Hospital.
Below we’ve compiled a comprehensive directory of every home care provider in the Louisville 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 Home Care Services in Louisville, KY
9900 Corporate Campus Drive, Ste. 3000, Louisville, KY, 40223
406 Blankenbaker Parkway, STE G, Louisville, KY, 40243
327 Harrison Street, Oak Park, IL, 60304
8009 New LaGrange Road, Suite1, Louisville, KY, 40222
13117 Eastpoint Park Blvd., Suite G, Louisville, KY, 40223
3703 Taylorsville Road Suite 222, Louisville, KY, 40220
13806 Lake Point CIrcle, Suite 201, Louisville, KY, 40223
811 South Second Street, Louisville, KY, 40203
1941 Bishop Lane, Suite 102, Louisville, KY, 40218
2301 Hurstbourne Village Dr., Suite 100, Louisville, KY, 40299
1400 Browns Lane Suite C, Louisville, KY, 40207
4113 Oechsli Ave. Suite A, Louisville, KY, 40207
4043 Taylorsville Road, Louisville, KY, 40220
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Paying for Home Care in Louisville, KY
The Cost of Home Care in Louisville
According to the Genworth 2020 Cost of Care Survey, 44 hours of home care per week in Louisville costs an average of $4,195 per month. By comparison, Kentucky’s statewide average is $4,052, and the nationwide median is $4,481 per month. Home care rates in nearby Lexington are higher at an average of $4,385 per month. Rates are significantly lower to the west of Louisville in Elizabethtown and Owensboro, where seniors pay $3,432 and $3,623 per month, respectively for this level of care.
The Cost of Home Care vs. Other Senior Care Options in Louisville, KY
Seniors in Louisville have several options when it comes to long-term care. Costs for home care, which includes personal care services, are midrange at $4,195 per month. Those who require light medical care, such as medication management and blood pressure monitoring, may opt for home health care, which is a little costlier at $4,385 per month. Adult day health care is the cheapest care option in Louisville at $1,603 per month. Assisted living is a couple hundred dollars cheaper than home care at an average of $4,385 per month, while a semiprivate room in a nursing home costs around $7,148 per month.
Home Health Care
Adult Day Health
Nursing Home Care (semiprivate room)
Financial Assistance for Home Care in Louisville, 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.
Free & Low-Cost Home Care Resources in Louisville, KY
Louisville seniors who want to age in place can access a number of free and low-cost programs offered by local government agencies and nonprofit organizations. These programs include nutritional support, assistance with transportation and case management.
The Louisville Metro Office for Veterans serves veterans and their families. The office helps military families connect with county, state and federal programs and services, including VA health care services. Staff at the office can also assist with Aid and Attendance and Housebound applications, two enhanced VA pension benefit programs that can be used towards home care costs.
The Senior Nutrition Program helps ensure Louisville seniors aged 60 and older have access to low-cost, nutritionally-balanced meals. There are 22 congregate nutrition sites throughout the city that are open Monday through Friday. Housebound seniors who need nutritional support can apply to receive a daily home-delivered meal through the local Meals on Wheels program.
TRAC is the local public transit provider for Louisville, and seniors aged 65 and older qualify for discounted fares on all TRAC routes. Each TRAC bus is ADA-compliant and equipped with wheelchair lifts and a kneeling feature to make entering and exiting the bus easier for those with reduced mobility.
The Home Repair Program provides funding to help low- and moderate-income homeowners complete safety-critical home repairs. To qualify for assistance through this program, seniors need to own and occupy their own single-family home and meet the current financial eligibility criteria. Eligible repairs through this program include roofing and gutter repairs/replacement, electrical and plumbing repairs, furnace and air conditioning repair/replacement and any other repairs deemed necessary by program staff.
The Aging and Disability Resource Center's In-Home Services program provides in-home supports to seniors aged 60 and older. To qualify for assistance through this program, seniors must not be eligible for Medicaid-funded home care, and they must need assistance to continue living independently. Services are tailored to the needs of each program participant and may include in-home respite for family caregivers, local transportation, housekeeping and minor home repairs.
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.
What types of services can a home care agency in Louisville provide?
Louisville home care agencies can provide a wide range of nonmedical services to help seniors remain safe and comfortable in their own homes. These services are customized to each senior and may include assistance with bathing and grooming, light housekeeping and meal prep, companionship and transportation to nonurgent medical appointments.
What is the difference between in-home care and home health care?
In-home care is one-on-one nonmedical care delivered in a senior’s home or the community. Home health care covers many of the same services offered through home care, but home health care also includes some limited medical services, such as monitoring of vital signs, medication management and catheterization. In Louisville, home health care rates are higher than rates for home care services.
What is the average cost for in-home elderly care in Louisville?
According to Genworth’s 2020 Cost of Care Survey, in-home elderly care in Louisville costs an average of $4,195 per month. This figure is based on 44 hours of care per week, which works out to a weekly rate of $968.07 and an hourly rate of $22.
Who pays for cleaning supplies in home care?
In general, the cleaning supplies used in home care are provided by the client or their family members. Many home care agencies will help clients shop for groceries and household essentials, and caregivers can also help seniors arrange for home delivery of cleaning products and other essentials.
What is in home respite care?
In-home respite care gives family caregivers a temporary break from their caregiving duties. A home care worker provides supervision and support to the senior, which allows family caregivers the time they need to attend to their own personal responsibilities or work commitments. This type of care can be scheduled on an occasional or recurring basis.