Frederick is a small city in western Maryland. It has a population of about 79,588 people, with 13.5% being seniors aged 65 and over. That’s lower than the national average, which stands at 16.8%. The area has a moderate climate, with a comfort index rating of 7.3 out of 10. With a direct highway to Baltimore and a short train ride to Washington, DC, Frederick’s location provides residents access to big-city services, charm and friendliness. Seniors can visit parks, restaurants and places of worship. Health care services are available at nearby medical facilities, such as Frederick Health (ER) and Kaiser Permanente Frederick Medical Center. Due to their proximity, home care costs in Frederick are similar to those in the Hagerstown area, which average about $5,148 per month according to the 2021 Genworth Cost of Care Survey. Home care provides assistance with personal care, such as dressing, bathing and toileting, while home health care includes light medical services.

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

2017, 2018, 2019, 2020, 2021, 2022

Right at Home Central Maryland, Frederick County, MD

340 E Patrick St, Ste 103, Frederick, MD, 21701

Staff is timely, reliable and caring. Agency is responsive, Brenda, Erin and Amber are exceptional.
Staff is timely, reliable and caring. Agency is responsive, Brenda, Erin and Amber are exceptional.

2019, 2020, 2021, 2022

Home Instead – Frederick, MD

614 W Patrick St, Frederick, MD, 21701

Our aunt died last week, and my sister and I had to travel out of state. Mom is unable to travel due to her medical conditions. We require 24/7 caregivers, we were a little nervous, but each caregiver … (read more)
Our aunt died last week, and my sister and I had to travel out of state. Mom is unable to travel due to her medical conditions. We require 24/7 caregivers, we were a little nervous, but each caregiver … (read more)

Senior Helpers of Frederick

174 Thomas Johnson Dr, Suite 202, Frederick, MD, 21771

Senior Helpers is the nation’s premier provider of in-home senior services ranging from specialized care for those with diseases, such as dementia, Alzheimer’s and Parkinson’s, to personal and compani … (read more)
Senior Helpers is the nation’s premier provider of in-home senior services ranging from specialized care for those with diseases, such as dementia, Alzheimer’s and Parkinson’s, to personal and compani … (read more)

Seva Home Care – Ellicott City, MD

9201 Furrow Ave, Ellicott City, MD, 20142

WHO WE ARE <p></p> Caregivers You Can Trust <p></p> Feel better in the comfort of your own home. We specialize in care and daily living assistance to an array of individuals. Whether you need dail … (read more)
WHO WE ARE <p></p> Caregivers You Can Trust <p></p> Feel better in the comfort of your own home. We specialize in care and daily living assistance to an array of individuals. Whether you need dail … (read more)

TheKey – Frederick

108 Byte Drive Suite 103, Frederick, MD, 21702


2019, 2020, 2021

Shepherd’s Staff In-home Care

205 Broadway St, #210, Frederick, MD, 21701

They seem to know what they are doing, and they do it well. They make my life better. The people that they hire to work with my wife and I come here and get to work.
They seem to know what they are doing, and they do it well. They make my life better. The people that they hire to work with my wife and I come here and get to work.

HomeCare.com

7925 Jones Branch Drive, Suite LL 140, Mclean, VA, 22102

I’m using HomeCare.com. It’s fine. They’re very good and very responsive to any concerns I have, and they’ve provided me with a good health care aide, not great necessarily, but good. They also provid … (read more)
I’m using HomeCare.com. It’s fine. They’re very good and very responsive to any concerns I have, and they’ve provided me with a good health care aide, not great necessarily, but good. They also provid … (read more)

Accessible Home Health Care

1185 Mt Aetna Road, Suite 300, Hagerstown, MD, 21740

As a health care provider myself I was confident about employing the services of Accessible Home Health Care when I needed transportation to a large metropolitan hospital for several follow up visits … (read more)
As a health care provider myself I was confident about employing the services of Accessible Home Health Care when I needed transportation to a large metropolitan hospital for several follow up visits … (read more)

Four Seasons Home Care

7701 Groton Road, Bethesda, MD, 20817

Thanks for all the help and the caregivers are terrific. I could not have recovered so quickly if it had not been for all the attention and help. It was very much appreciated
Thanks for all the help and the caregivers are terrific. I could not have recovered so quickly if it had not been for all the attention and help. It was very much appreciated

Visiting Angels

801 Toll House Avenue, Frederick, MD, 21701

I used Visiting Angels. They were very good, expedient, worked well around the house, took care of my needs quite well, and they were pleasurable company as well. They didn’t require a deposit, which … (read more)
I used Visiting Angels. They were very good, expedient, worked well around the house, took care of my needs quite well, and they were pleasurable company as well. They didn’t require a deposit, which … (read more)

Vitalis Healthcare – Silver Spring, MD

8757 Georgia Avenue, Suite 440, Silver Spring, MD, 20910

Vitalis is a wonderful, caring organization filled with professionals and people with a heart for caring.  They have been so helpful and accommodating regarding my mom’s care.  She currently has a c … (read more)
Vitalis is a wonderful, caring organization filled with professionals and people with a heart for caring.  They have been so helpful and accommodating regarding my mom’s care.  She currently has a c … (read more)

Adcare Home Health Services

18909 Ebbtide Circle , Germantown, MD, 20874

Our Mission <p></p> AdCare Home Health Services seeks to be an excellent senior care provider by bringing highly skilled practitioners to render services to our clients in the comfort of their home. … (read more)
Our Mission <p></p> AdCare Home Health Services seeks to be an excellent senior care provider by bringing highly skilled practitioners to render services to our clients in the comfort of their home. … (read more)

Helping Hands Home Care

304 Delaware Rd, Frederick, MD, 21701

Very helpful. They do not have a long list of employees to help if you need a back up but the ones that they provide are very helpful.
Very helpful. They do not have a long list of employees to help if you need a back up but the ones that they provide are very helpful.

Elder Clean Pros

267 Kentlands Blvd., Gaithersburg, MD, 20878


Premium Quality Services LLC

1564 Andover Lane, Frederick, MD, 21702


Housen Homecare

10 North Jefferson St, Suite 406, Frederick, MD, 21701


Nightingale Home Heatlh Inc

120 W Church St, Frederick, MD, 21701


Maxim Healthcare Frederick, MD

64 Thomas Johnson Dr, Suite 302, Frederick, MD, 21702


Mustardseed Healthcare Svc LLC

198 Thomas Johnson Dr # 205, Frederick, MD, 21702


Atlas Professional Home Care LLC

16 Linda Court #A, Gaithersburg, MD, 20877


Paying for Home Care in Frederick, MD

The Cost of Home Care in Frederick, MD

At $5,148 per month, average home care costs in Frederick are the same as those for Maryland and higher than the national average by $191. Compared to other cities and towns within the state, Frederick has home care costs similar to those in Clover Hill in the Hagerstown area. Average monthly home care costs in Frederick are $191 less than in Montgomery Village, and $191 more than in Mount Airy.

$5148

Frederick

$5148

Maryland

$4957

United States

$5148

Clover Hill

$5339

Montgomery Village

$4957

Mount Airy

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

Monthly home care services cost more than assisted living and adult day care by about $500 and $3000, respectively, and approximately $4,900 less than nursing home care. Home care and home health care both cost $5,148 per month, with the latter providing light medical assistance by licensed nurses and therapists. Below is a summary of how monthly home care costs compare to other senior care options in Frederick. 

$5148

Home Care

$5148

Home Health Care

$2145

Adult Day Health Care

$4630

Assisted Living Facility

$10114

Nursing Home Facility (semiprivate room)

Note: Data for Frederick was unavailable, so data for the nearest area, Hagerstown, was used instead.

Financial Assistance for Home Care in Frederick, 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.

Frederick 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 Frederick:

Maryland Access Point of Frederick County

Address: 12 E. Church St., Frederick, MD 21701
Phone number: (301) 600-9000

Run by the Frederick County government, the MAP helps disabled and aging county residents access benefit-, assistance- and service-related information that can help them improve their quality of life. Program representatives can help seniors determine whether they meet eligibility requirements for public programs; they also visit Frederick’s senior centers every month for in-person community discussions about MAP services. 

Maryland WholeHome Program

Address: 7800 Harkins Road, Lanham, MD 20706
Phone number: (301) 429-7847

This Maryland Department of Housing and Community Development program offers home repair and energy-efficiency improvement grants to area homeowners. Seniors can take advantage of the program to make their homes safer by installing accessibility aids such as grab bars and ramps; homes can also be made cheaper via the lowered energy costs from furnace upgrades and window sealing. Income restrictions apply.

National Family Caregiver Support Program

Address: 1440 Taney Ave., Frederick, MD 21702
Phone number: (301) 600-1234

This federally funded program, part of the Older Americans Act, works to help those who are providing care for people over 60 years old or who have dementia-related disorders. In addition to offering once-a-year financial assistance of up to $700 to help fund respite care, the NFCSP provides training, education, therapy groups and a resource library for caregivers.

Meals on Wheels

Address: 12 E. Church St., Frederick, MD 21701
Phone number: (301) 600-3524

Homebound Frederick County citizens 60 years of age and older can sign up to receive two meals a day (one hot and one intended for refrigeration) from this service. To be eligible for the program, applicants must be without a caregiver who can prepare food or shop for the applicant and also must be unable to prepare food independently. Special meals for seniors with dietary restrictions are available. 

Project SAFE

Address: 311 West Saratoga Street, Baltimore, MD 21201
Phone number: 1 (800) 243-3425

This coalition of government and private entities works together to help reduce financial exploitation of the elderly, which can include tax fraud, home repair grift and other scams targeting older citizens. Seniors or members of the public who believe a vulnerable senior is being financially exploited may anonymously report the activity to Adult Protective Services through Project SAFE’s hotline. Third parties are encouraged to get the perceived victim’s consent before making a report.

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.

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.

Talking with Family and Others about a loved one's needs