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

Westminster is a small city of 20,062 located about 45 minutes northwest of Baltimore, Maryland. Census data shows that seniors make up 17.5% of Westminster residents, giving it a slightly older population than the average U.S. city. The area’s primary medical facility is Carroll Hospital Center, ranked by U.S. News and World Report as high-performing in knee replacement surgery as well as in heart failure and stroke care. Westminster’s also less than an hour’s drive from Johns Hopkins Hospital in Baltimore, which U.S. News ranks among the top five medical facilities in the entire nation.

The Genworth Financial Cost of Care Survey 2021 finds that the average monthly cost of home care services in Westminster is $4,957. Home care refers to basic personal care services such as preparing meals and helping with transportation; home health care, which is a similar but more medically focused service, is slightly more expensive in this market.

Below we’ve compiled a comprehensive directory of every home care provider in Westminster– 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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Home Care Agencies in Westminster, MD

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Paying for Home Care in Westminster, MD

The Cost of Home Care in Westminster, MD

Westminster’s average monthly price for home care is perfectly in line with the national average, and it’s also roughly $200 lower than the state average. Among the Maryland cities for which Genworth Financial reports price data, there’s relatively little variance. Average monthly prices are roughly $200 higher to the west in Hagerstown, while they’re roughly $300 lower to the south in California. Cumberland and Salisbury, like Westminster, report prices that are identical to the U.S. average. 

Westminster

$4,957

Maryland

$5,148

The United States

$4,957

Hagerstown

$5,148

Cumberland

$4,957

California

$4,576

Salisbury

$4,957

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

The least expensive option for long-term care in Westminster is adult day health care; however, it’s also the least customizable option. On average, assisted living is roughly $200 a month less expensive than basic home care. Home health care’s higher level of medical support translates into an extra $100 or so per month on top of the average price for regular home care. Nursing home care reaches five digits a month and is the most expensive choice.

Home Care

$4,957

Home Health Care

$5,053

Adult Day Health Care

$1,927

Assisted Living

$4,750

Nursing Home Care (semiprivate room)

$10,798

Note: Data for Westminster was unavailable, so data for the nearest city, Baltimore, was used instead.

Financial Assistance for Home Care in Westminster, 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.

Westminster 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 Westminster:

ResourceContactAddressService
Maryland Energy Assistance Program (MEAP)(301) 600-2410420 E Patrick St., Frederick, MD 21701The MEAP provides Maryland residents with financial assistance with heating bills. To be eligible, a one-person household must have a monthly income of less than $1,579.37, and a two-person household must have a monthly income of less than $2,124.79. Priority is given to seniors over the age of 60 and individuals with physical disabilities. The payments are made directly to the fuel supplier or utility company on the customer’s behalf.
Carroll County Nutrition Program for Older Adults(410) 386-3850125 Stoner Ave., Westminster, MD 21157The Nutrition Program for Older Adults provides seniors in Carroll Country with hot meals Monday to Friday at a local community center. To be eligible, individuals must be over the age of 60; there are no specific income requirements. A contribution of up to $3.35 is requested, but everyone is welcome, irrespective of whether they can afford to contribute. 
Meals on Wheels of Central Maryland(410) 558-0827515 South Haven Street, Baltimore, MD 21224Meals on Wheels provides home-delivered meals to Maryland residents who are unable to shop or cook for themselves. Services are available on a temporary or ongoing basis, regardless of age or economic status. Eligible applicants receive up to two meals per day, a fresh lunch and a cold supper, which are delivered by a friendly volunteer between 10:30 a.m. and 1:00 p.m. Monday through Friday. 
Weatherization Assistance Program(301) 429-74007800 Harkins Road, Lanham, MD 20706The Weatherization Assistance Program, which is funded by the U.S. Department of Energy, provides low-income homeowners with home repairs to assist in reducing energy bills. Services include hot water system improvements, burner replacement and lighting retrofits. Homeowner applicants must earn less than 200% of the federal poverty line, and renters must get landlords to prove ownership and agree to participate. Priority is given to elderly applicants.
Caring Carroll, Inc.(410) 775-5596255 Clifton Boulevard, Suite 315, Westminster Md. 21157Caring Carroll is a nonprofit organization that partners with various community programs to offer services to in-need Carroll County residents. It matches trained volunteers with seniors over the age of 60 who have limited resources. The volunteers provide non-medical help to assist seniors who wish to continue living independently. Services include food delivery, help at home and transportation to medical appointments. 

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.

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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.

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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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