The Best Home Care Agencies for Seniors in Rockland, ME for 2025

According to data from Genworth Financial, the median cost of in-home care in Rockland is $5,148 per month, which is $667 higher than the national average of $4,481. However, residents save $191 compared to the state median of $5,339. Additionally, Rockland is more affordable than other metropolitan areas. Seniors in Bangor pay roughly $100 more each month. In Manchester, New Hampshire, rates increase to $5,529. Home care costs are even higher in Portland and Boston, Massachusetts, where seniors pay $5,625 and $5,720 per month, respectively.

In-home care providers in Rockland charge $5,148 per month for both home care and home health care services. This is approximately $1,000 lower than the cost of assisted living ($6,150), and it’s almost $4,000 less than the cost of a semiprivate room in a nursing home, which averages $9,125. Seniors who want to age in place can also consider adult day health care. Although local pricing information wasn’t available, these programs cost $3,467 per month statewide.

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.