The 10 Best Home Care Agencies for Seniors in Salisbury, MD for 2025

The 2021 Genworth Cost of Care Survey indicates that Salisbury’s average home care cost is identical to the national average of $4,957 per month. Salisbury compares favorably to Maryland as a whole, which has a slightly higher average cost. The same goes for Salisbury in comparison to Hagerstown, a city in the state’s western portion. Another western Maryland city is Cumberland, whose home care providers match Salisbury’s in terms of average price. To Salisbury’s northwest, Baltimore’s average rate is identical to Salisbury’s as well. Across the Chesapeake Bay from Salisbury, California has typical prices that are several hundred dollars lower. 

In Salisbury, home care and home health care have the same average price — despite the fact that the latter includes light medical services provided by nurses and other professionals. Assisted living is slightly more expensive than in-home care arrangements, while nursing home care includes skilled nursing services for more than twice the cost. The most affordable service is adult day care, though it requires seniors to travel to a care venue.

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.