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

Bethesda is a fast-growing city with nearly 70,000 residents and a relatively large senior community that makes up over 18% of the population. It’s one of the safest places to live in the state and nation, with low property and violent crime rates, providing peace of mind for seniors who live alone. Over 500 doctors per capita serve the city, home to Suburban Hospital, a not-for-profit hospital with a certified primary stroke center and a range of specialties. The city also has numerous home care agencies. On average, these agencies charge $5,339 per month for non-medical care. Home health care, which is similar but includes skilled nursing services, has the same monthly rate.

Below we’ve compiled a comprehensive directory of every home care provider in the Bethesda 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.

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Home Care Agencies in Bethesda, MD

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Paying for Home Care in Bethesda, MD

The Cost of Home Care in Bethesda, MD

The 2021 Genworth Cost of Care Survey estimates home care costs in Bethesda at $5,339 per month based on rates in nearby Washington, DC. This is high compared to the Maryland average of $5,148, as well as the national norm of $4,957. Seniors in Hagerstown pay $5,148 for monthly services, and in Baltimore, care costs align with the national average. In California, rates are hundreds of dollars below Bethesda’s average at $4,576.

Bethesda

$5,339

Maryland

$5,148

The United States

$4,957

California

$4,576

Baltimore

$4,957

Hagerstown

$5,148

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

Home care agencies in Bethesda charge $5,339 per month for non-medical care. Despite providing specialized skilled nursing services, home health care agencies charge the same rate. Home care is an affordable alternative to assisted living, which costs residents approximately $5,948 per month. Nursing home care is the costliest long-term care option in Bethesda at $11,467 for shared accommodations. Adult day health care, which features personal care services, meals and recreational activities in a daytime community environment, is the cheapest at $2,282. 

Home Care

$5,339

Home Health Care

$5,339

Adult Day Health Care

$2,282

Assisted Living

$5,948

Nursing Home Care (semiprivate room)

$11,467

Note: Data for Bethesda was unavailable, so data for the nearest city, Washington, DC, was used instead.

Financial Assistance for Home Care in Bethesda, 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 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 Bethesda, MD

Bethesda seniors who want to live in their own homes but need help with some tasks may be able to obtain the assistance they need through community-based programs. The region is home to several nonprofit agencies that provide low-cost services, including an Area Agency on Aging, a veterans’ services office and Meals on Wheels. These organizations can help older adults find services in the community or identify ways to fund private home care.

ResourceContactService
Bethesda-Chevy Chase Meals on Wheels(301) 654-4610The local Meals on Wheels program delivers meals to Bethesda residents unable to obtain meals due to advanced age or disability. Two meals are delivered daily, including a frozen dinner and a hot, freshly prepared noontime meal. The cost is $9.60 per day, but financial assistance may be available.
Area Agency on Aging(240) 777-1120The Area Agency on Aging provides services for those aged 60 and over in the community, helping them obtain the support and resources they need to remain independent at home. It administers several financial programs, including utility and rental assistance, home care services and respite services.
Montgomery County Commission on Veterans Affairs(240) 777-1246The county’s Commission on Veterans Affairs advocates for older veterans in Bethesda, helping them apply for programs and benefits that may reduce out-of-pocket home care expenses. At the local office, seniors can get information on the veterans' home care program as well as Aid and Attendance.
Greater Bethesda Senior Services Database(301) 652-4900The Greater Bethesda Chamber of Commerce has an up-to-date list of agencies that provide free and low-cost services for seniors in the region. Seniors can search for agencies that offer chore services, in-home care, home and yard maintenance and financial planning.
Montgomery County Senior Services(240) 777-3000The county’s Senior Services division operates senior centers throughout the region where members participate in social and recreational activities. It also provides information on resources for seniors throughout the region, including library-based programs, ADA-accessible transportation and the Vital Living Network. It also publishes information on the senior property tax credit.

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 – oftentimes 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 home care
Checklist for determining the need for 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.

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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

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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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