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

The 2022 Caring Senior Living report rates Rockville, Maryland, the county seat for Montgomery County, as an excellent place for seniors to live. Situated just out of Washington, DC, the county offers a combination of excellent shopping, free shuttle services for over-60s, and good public transportation services. Rockville is highly rated for health care. The area hosts numerous outdoor parks and lakes for leisurely outdoor activities as well as numerous senior centers offering recreational and fitness programs. The area has excellent medical facilities for seniors including The Collingswood Rehabilitation and Healthcare Center in Rockville and the Beacham Center for Geriatric Medicine at Johns Hopkins Hospital.

According to the 2021 Genworth Cost of Care Survey, Montgomery County residents pay an average of $5,339 for home care. Home care differs from home health care in that the former provides personal care services while the latter includes light medical services that may be performed by registered nurses or therapists.

Below we’ve compiled a comprehensive directory of every home care provider in Montgomery County– 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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Paying for Home Care in Montgomery County, MD

The Cost of Home Care in Montgomery County, MD

Monthly home care in Montgomery County at $5,339 per month is $191 more expensive than the average for the state of Maryland and $382 higher than the national average figure of $4,957. These costs are in line with the figures for Waldorf and residential areas around the Potomac River. Costs fall in population centers further away: in Baltimore and Annapolis, the cost of home care is $4,957 while across the Chesapeake Bay in Cambridge, it costs $4,576.  

Montgomery County

$5,339

Maryland

$5,148

The United States

$4,957

Baltimore

$4,957

Waldorf

$5,339

Annapolis

$4,957

Cambridge

$4,576

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

Home care, which provides personal care services, costs $609 less than an assisted living community in Montgomery County. Home health care, which includes light medical services such as injections or wound care, costs the same as home care. Adult day care is more affordable at $2,282 per month, but this entails travel to a senior center. Skilled nursing at a residential nursing home is the most expensive, at $11,467 per month. 

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 Montgomery County was unavailable, so data for the county seat, Rockville, was used instead.

Financial Assistance for Home Care in Montgomery County, 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.

Montgomery County 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 Montgomery County:

ResourceContactAddressService
Respite Care(301) 816-9647Not ListedThe Montgomery County Government offers a program that provides short-term relief to live-in primary caregivers who provide full-time care to frail seniors and those with disabilities. The program enables seniors to age in place for as long as possible by giving caregivers a break from their duties. In-home and out-of-home care options are available. 
Weatherization Assistance ProgramNot Listed (Online Contact Form)1301 Piccard Drive, 4th Floor, Rockville, 20850The Maryland Energy Assistance Program runs a weatherization assistance program funded by the federal government and the state. The program helps low-income households reduce their fuel bills by lowering energy consumption. This is a one-time service, and contractors do not return to carry out any repairs. Priority is given to seniors and households with young children. Services carried out include replacing cracked windows, weather stripping, testing furnace efficiency, and installing hot water heater jackets and attic insulation. There is no charge for any of the services.
Senior Connection(301) 962-08203950 Ferrara Drive, Silver Spring, MD 20906Senior Connection is a nonprofit organization that provides a range of services for seniors over the age of 60. In its Pantry Fillers program, volunteers take seniors to a nearby grocery store on a weekly or monthly basis. The senior is responsible for paying for the groceries, but volunteers help carry the groceries and put them away. Seniors who are unable to leave their homes can give volunteers a shopping list and money to go shopping. Additionally, Senior Connection provides door-to-door transportation to seniors. Rides must be booked in advance, and only four trips can be booked per month. There is no charge for this service. 
Senior Nutrition Program(240) 777-3000401 Hungerford Drive, Rockville, MD 20850The Senior Nutrition Program provides a hot lunch meal each day from Monday to Friday at congregate meal sites located throughout the county. Seniors over the age of 60 receive a nutritious meal that meets the dietary requirements of seniors. The style of meal differs depending on the location,, as some centers cater to the dominant ethnic group in the area. There is no charge for the meal but a voluntary donation is appreciated. Guests under 60 who want to dine with a senior are charged the full meal price. 

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 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.

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

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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