Caring.com
Caring.com

(800) 558-0653

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

Last Updated: June 5, 2024

Silver Spring sits south of Baltimore and just north of Washington, D.C. The community hosts 100 home care agencies, while an additional are available in surrounding areas. These agencies offer one-on-one living assistance, including bathing help and household chore management. They charge about $5,911 monthly in 2024, outpacing Maryland's statewide norm by $191.

To learn more about home care in Silver Spring, explore our review directory below. You'll find 822 reviews reviews, which have an average rating of 4.7 out of 5 stars stars.

Home Care Services in Silver Spring, Maryland

100 Results

Filters

100 Results

Didn't find what you were looking for?

Caring's Family Advisors are here to help you with questions about senior living and care options.

Call us at (855) 948-3865

1

2

3

4

5

What you can do with Caring

  • Search the Caring database

    Quickly search the largest online senior living and senior care directory

  • Read reviews and expert guidance

    Read our authentic consumer reviews and content by experts

  • Speak to a Family Advisor for free

    Guided, expert advice to find the best community or agency for you

  • Take a tour to decide yourself

    We’ll help you book tours or get in touch with local agencies

On this page:

Paying for Home Care in Silver Spring, MD

The Cost of Home Care in Silver Spring, MD

Home care in Silver Spring costs about $5,911, according to the 2024 Genworth Cost of Care Survey. In contrast, Hagerstown offers a much lower median rate of $2,288. Across the border in York, PA, cheaper home care is available, with an estimated price of $4,004. In the nearby city of Baltimore, rates are the highest in the region at $6,864, providing Silver Spring seniors a local savings of about $953 per month.

Silver Spring

$5,911

Maryland

$5,720

United States

$5,720

Baltimore

$6,864

Hagerstown

$2,288

York, PA

$4,004

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

In Silver Spring, home care costs approximately $6,712 less than residential nursing home care. Similarly, it's about $381 cheaper than home health care, which includes skilled nursing and therapy services. Adult day health care is the least expensive senior care option in the area, costing about $4,557 less per month than in-home care.

Home Care

$5,911

Home Health Care

$6,292

Adult Day Health Care

$1,354

Assisted Living Facility

$7,348

Nursing Home Care (semi-private room)

$12,623

Note: Data for Silver Spring was unavailable, so data for the nearest city, Washington, D.C., was used instead.

Financial Assistance for Home Care in Silver Spring, 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 Silver Spring, MD

There are several programs available for seniors in Silver Spring to help them remain independent at home for as long as possible. Seniors may be eligible for financial assistance and help with maintaining their properties. 

ResourceContactService
Montgomery County Utility Assistance Program(240) 777-4450Low-income seniors who are struggling to make their utility payments may be eligible for this Montgomery County Government assistance program. Applicants could receive a financial benefit they can use towards both their energy and water bills. The county determines who’s eligible based on household income.
Home Care / In Home Aide Services(240) 777-3000This program was created to help seniors in the area continue living at home for as long as it’s feasible. The county’s Department of Health and Human Services can supply low-income seniors with an in-home caregiver. The cost for this service is on a sliding scale, based on income.
Weatherization Program(301) 990-0014 Ext. 19Weatherization projects are free of charge and can help older adults save on their utility bills. Seniors who are eligible for this program can benefit from home improvement repairs such as insulation, appliance repair or replacement and air sealing.
Property Tax Credit for Elderly Individuals and for Military Retirees(240) 0777-0311Senior homeowners aged 65 and above may qualify for a substantial exemption on their property tax with this program. The tax credit is awarded to eligible older adults who have either owned their homes for at least 40 years or those who are military veterans.
Senior Call Check Program(866) 502-0560This is a free program the Maryland Department of Aging offers to all seniors aged 65 and above. Older adults can register to receive a phone call every day to check on their well-being. If the senior does not answer, either a family member or non-emergency local services are contacted to check in on the participant.

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.

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

Deborrific

I am a current client of this provider

Review of Family & Nursing Care, Inc.

We have been using Family & Nursing Care for years now, for my dad who has dementia. We could not be more thrilled with the care; ALL of the caregivers have been fantastic. They not only do all...

Read more

Home Care

Son of an amazing father

I am a past client of this provider

Review of Family & Nursing Care, Inc.

Organization was very responsive. We had 24-hour care and our regular caregivers were usually outstanding. When there was someone who wasn't a match for my father or who just wasn't up to our...

Read more

Home Care

ceo h

I am a current client of this provider

Review of Family & Nursing Care, Inc.

Caregivers fail to show up, without any notice. Why am I paying exorbitant prices when I have to care for my own parent This place is awful. At least call me, you are supposed to be managing your...

Read more

In Home Care near Silver Spring, MD

Southern Md FacilityTakoma ParkChevy ChaseAdelphiKensingtonWheaton

Other Options in Silver Spring, MD

Business Owners

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

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

Our Services

  • Senior Living Directory

  • Senior Care Directory

  • Caregiving Resources

  • Sitemap

  • Terms of Use

  • Privacy Policy


© 2024 Caring, LLC. All rights reserved.