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

Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Waldorf, MD, residents and their loved ones rate In Home Care agencies 4.0 out of 5 stars across the 34 options below.

Home Care Services in Waldorf, Maryland

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On this page:

  • Home Care Services in Waldorf, Maryland
  • Paying for Home Care in Waldorf, MD
  • Financial Assistance for Home Care in Waldorf, MD
  • Waldorf Home Care Resources
  • Determining Your Loved One’s Need for In-Home Care
  • Guidelines for Talking About In-Home Care

Paying for Home Care in Waldorf, MD

The Cost of Home Care in Waldorf, MD

The 2024 Genworth Cost of Care Survey indicates that home care agencies in Waldorf charge approximately $5,911 per month, surpassing Maryland’s baseline rate of $5,720. Although rates in Hagerstown trend considerably lower at roughly $2,288 per month, Waldorf offers affordability compared to Baltimore, where home care clients pay higher rates of around $6,864.

Waldorf

$5,911

Maryland

$5,720

United States

$5,720

Baltimore

$6,864

Hagerstown

$2,288

Morgantown, WV

$4,767

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

At approximately $5,911 per month, home care ranks among the most affordable senior care options in Waldorf. Home health care, which includes light medical services, such as wound care, costs about $381 more. Assisted living facilities charge about $1,440 more, and nursing home rates run significantly higher at around $12,623. However, adult day health care offers an economical alternative to home care at about $1,354.

Home Care

$5,911

Home Home 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 Waldorf was unavailable, so data for the nearest city, Washington, DC, was used instead.

Financial Assistance for Home Care in Waldorf, 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.

Waldorf 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 Waldorf:

ResourceContactAddressService
Charles County Aging and Senior Services Division(301) 934-93058190 Port Tobacco Rd, Port Tobacco, MD 20677The Aging and Human Services Division is the designated Area Agency on Aging and Aging & Disability Resource Center for Charles County. It serves as the local access point for Maryland Department of Aging services and the Maryland State Health Insurance Program (SHIP). The Aging and Human Services Division also offers options counseling for long term care of seniors, nutrition services and information referral for other state and federal programs.
State Health Insurance Assistance Program (SHIP)(410) 767-1100 or (800) 243-3425301 W. Preston St., Suite 1007, Baltimore, MD 21201Maryland’s State Health Insurance Assistance Program caters to the state’s Medicare beneficiaries. Its services assist seniors throughout Maryland with their Medicare billing, rights, benefits and coverage issues. SHIP volunteers and staff work in all 23 of Maryland’s counties, including Charles County via both in-person and telephone consultations. The SHIP program is also accessible through local Agency on Aging offices in Waldorf.
Waldorf Senior and Recreational Center(240) 448-281090 Post Office Rd. Waldorf, MD 20602The Waldorf Senior and Recreational Center is open for both scheduled and drop-in visitors and offers its facilities to seniors and the general public. Most notably, it offers senior programs for elderly adults in which structured leisure activities, sports programs, fitness courses and special excursions are offered. There are also dance classes and community outreach programs running throughout the year at the Recreational Center.
Meals on Wheels of Central Maryland(410) 558-0827515 S. Haven St., Baltimore, MD 21224Meals on Wheels of Central Maryland offers meal service to homebound or needy senior adults throughout central Maryland. Deliveries of nutritious meals are organized for individual recipients and in communal settings. The organization also manages a crisis intervention program by which its staff and volunteers keep an eye out on their meal delivery clients to ensure that they aren’t in need of sudden emergency assistance or in a notable state of distress. 

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 in-home care
Checklist for determining the need for in-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

Reviews of Care Providers Nearby

Home Care

Alisa W

I am a current client of this provider

Review of Right at Home St. Charles

The agency makes life easier by freeing up time for me to be able to assist other households needs. I like that the agency is willing to cater to the changes that come about.

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Home Care

Thomas C_29

I am a current client of this provider

Review of Right at Home St. Charles

My dad at first was resistant to receiving any help, however, after they showed up he was all for it and it has been a big improvement in his life. They are very personable, they are willing to...

Read more

Home Care

Amy N_3

I am a current client of this provider

Review of Right at Home St. Charles

I only get my aide three days a week but on those days we get a lot done. The aide I have right now is always on time and communicates well.

Read more

In Home Care near Waldorf, MD

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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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