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The 10 Best Home Care Agencies for Seniors in Baltimore, MD for 2024

Last Updated: June 5, 2024 - Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Baltimore, MD, residents and their loved ones rate In Home Care agencies 4.9 out of 5 stars across the 100 options below.

Home Care Services in Baltimore, Maryland

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Paying for Home Care in Baltimore, MD

The Cost of Home Care in Baltimore, MD

When deciding what care to seek during retirement, many seniors consider the cost a significant factor in their choice. Thankfully, home care is rather affordable in Baltimore, averaging $4,957 per month according to Genworth's 2021 Cost of Care Survey, equivalent to the national norm but $191 less than is typical in Maryland. However, care is still cheaper in some nearby areas, such as the city of California, where costs are $381 less. Expenses are equivalent to Baltimore in Cumberland, but they're 7.7% more expensive in Washington, D.C., on average, and nearly 4% higher in Hagerstown.

Baltimore

$4,957

Maryland

$5,148

The United States

$4,957

California

$4,576

Cumberland

$4,957

Washington, D.C.

$5,339

Hagerstown

$5,148

The Cost of Home Care vs. Other Senior Care Options in Baltimore, MD

Home care allows seniors to continue living at home for as long as possible before potentially moving into higher levels of care. However, individuals may want to consider other types of support, depending on their needs. Home health care costs $96 more on average but allows seniors to receive nursing and medical treatments at home. Adult day health care, costing $3,030 less than home care, is another alternative for seniors who only need occasional support. On the other hand, assisted living, averaging $207 less than home care, may be ideal for individuals who prefer a communal living environment. Nursing homes cost more than twice as much at $10,798 but also offer 24-hour care from licensed medical professionals.

Home Care

$4,957

Home Health Care

$5,053

Adult Day Care

$1,927

Assisted Living

$4,750

Nursing Home Care (semiprivate room)

$10,798

Financial Assistance for Home Care in Baltimore, MD

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Baltimore 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 Baltimore:

ResourceContactAddressService
Community Personal Assistance Services(410) 767-1739201 W. Preston St., Suite 136, Baltimore, MD 21201Maryland’s Community Personal Assistance Services supports residents who need help with activities of daily living in their homes. They must meet the program’s medical and financial criteria to qualify. Participants receive nurse monitoring and personal assistance, and they may qualify for support with medical equipment and supplies, pharmacy needs, physician and hospital care and mental health services.
Hopkins ElderPlus(410) 550-80934940 Eastern Ave., Baltimore, MD 21224Hopkins ElderPlus is a voluntary program of all-inclusive care for the elderly (PACE) designed to provide care services seniors need to continue living at home. Care coordinators meet with each participant to devise a personalized care plan. As needed, seniors may receive personal assistance, home-delivered meals, skilled nursing support, assistive devices and prescription medications. Hopkins ElderPlus also provides transportation to and from medical appointments and its day health care center, where clients receive a hot lunch and snacks.
Community Pathways Waiver(844) 253-8694201 West Preston St., Baltimore, MD 21201The state-administered Community Pathways Waiver program integrates community resources and supports to enhance the lives of older individuals who wish to age in place in their own residence. Participants can self-direct some of these services with the help of a support broker. Clients may be eligible to receive:
Keswick Community Health(410) 593-3292700 West 40th St., Baltimore, MD 21211In a partnership with the Maryland Department of Aging, Keswick Community Health offers Maryland Community for Life, a package of low-cost, all-inclusive support services to help adults aged 60 and older stay in their homes as long as possible. It connects seniors with vetted local resources for health and wellness, home maintenance and transportation. Members also receive help with obtaining medication and groceries.
Accessible Homes for Seniors(301) 429-78217800 Harkins Rd., Lanham, MD 20706Accessible Homes for Seniors is a state-run program that provides accessibility-related modifications to the homes of eligible residents aged 55 and older. It offers grants or 0% interest, deferred loans to finance needed improvements to help seniors remain in their homes and maintain their independence and safety. The program may help pay for widening doorways, installing accessible showers, ramps, grab bars and railing as well as accommodations for first floor bathrooms and laundry rooms.

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 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

Frequently Asked Questions

Reviews of Communities Nearby

Home Care

Marjorie L_5

I am a current client of this provider

Review of Home Helpers of Northwest Baltimore

It has helped me a lot. They have excellent service.

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Home Care

Jimmy S_2

I am a current client of this provider

Review of Home Helpers of Northwest Baltimore

The caregivers help me with some of the simple things in the home. I like that the caregivers are on time and have gratitude.

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Home Care

Alfred G_2

I am a current client of this provider

Review of Home Helpers of Northwest Baltimore

They assist my father. I like the politeness of the staff completing duties.

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In Home Care near Baltimore, MD

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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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