Andover is an upscale town situated along the banks of Massachusetts’ Merrimack River about 20 miles north of Boston. There are 36,517 residents, 14.4% of whom are aged 65 years and older. Although the cost of living is over 50% higher than the national average, Andover offers easy access to affordable health care and comparative safety due to low crime rates. Several accredited health care facilities are nearby, including Andover Medical Center & Express Care and Lawrence General Hospital. Older adults aging in place who need nonmedical personal care can expect to pay an average of $6,292 per month for home care services. Home health care is also available for those requiring in-home medical care.

Below we’ve compiled a comprehensive directory of every home care provider in Andover– 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.

Directory of Home Care Services in Andover, MA

A Place At Home – Merrimack Valley

73 Princeton Street, Suite 308 , North Chelmsford, MA, 01863

When it comes to in-home senior care and other services designed to help seniors age gracefully, A Place At Home is there to provide you with compassionate professionals to assist you or your loved on … (read more)
When it comes to in-home senior care and other services designed to help seniors age gracefully, A Place At Home is there to provide you with compassionate professionals to assist you or your loved on … (read more)

Senior Helpers Boston North

153 Andover St, Suite 203, Danvers, MA, 01923

We have Senior Helpers Boston North for my mother. They offer light cleaning and companionship. They will come and cook her meal. They’re just there with her at night before she goes to bed to assist … (read more)
We have Senior Helpers Boston North for my mother. They offer light cleaning and companionship. They will come and cook her meal. They’re just there with her at night before she goes to bed to assist … (read more)

Dedicated Homecare Services Inc

681 Main Street, Waltham, MA, 02451

This place is on another level. The care givers are always on time and I’ve never received this kindness before. Everyone is hands on and always with a smile and most importantly I didn’t have to … (read more)
This place is on another level. The care givers are always on time and I’ve never received this kindness before. Everyone is hands on and always with a smile and most importantly I didn’t have to … (read more)

Perfect Care Match

638 Adamsville Road, Westport, MA, 02790

We Provide Stress-Free, Supportive Care Relationships. <p></p> Professional Care Match Provides CONSISTENCY with <p></p> Live-In and Hourly Caregivers <p></p> Caregiving Services Provided By < … (read more)
We Provide Stress-Free, Supportive Care Relationships. <p></p> Professional Care Match Provides CONSISTENCY with <p></p> Live-In and Hourly Caregivers <p></p> Caregiving Services Provided By < … (read more)

Senior Helpers – Lawrence, MA

60 Island St, Lawrence, MA, 01840

At Senior Helpers Lawrence, MA, our mission is to ensure a better quality of life for our elderly clients and their families by providing dependable and affordable care. We are a trusted and respected … (read more)
At Senior Helpers Lawrence, MA, our mission is to ensure a better quality of life for our elderly clients and their families by providing dependable and affordable care. We are a trusted and respected … (read more)

IsentCare, LLC

33 Walker Road, Suite A , North Andover, MA, 01845

We are a full-service private homecare company that assists individuals and families with care at their homes and in community. We are dedicated to helping our clients lead dignified, independent life … (read more)
We are a full-service private homecare company that assists individuals and families with care at their homes and in community. We are dedicated to helping our clients lead dignified, independent life … (read more)

MAS Home Care of Massachusetts

338 Plantation Street, Worcester, MA, 01604

MAS Home Care provides dependable home care services to the elderly, chronically ill, and physically disabled throughout Maine, Massachusetts, New Hampshire, and Rhode Island. Our qualified care profe … (read more)
MAS Home Care provides dependable home care services to the elderly, chronically ill, and physically disabled throughout Maine, Massachusetts, New Hampshire, and Rhode Island. Our qualified care profe … (read more)

TheKey – Wellesley

60 Leo M. Birmingham Parkway, Suites 205 & 208, Boston, MA, 02135


BrightStar Care Danvers / North Shore

85 Constitution Lane, Suite 200F, Danvers, MA, 01923

They have helped the most by providing stability overnight. They could improve on the aides language skills.
They have helped the most by providing stability overnight. They could improve on the aides language skills.

Foundational Home Care

275 Grove Street, Suite 2-400 , Newton, MA, 02466

Foundational Health Home Care is an excellent agency, they assisted my Elderly Father until his recent passing. Their staff was always very caring and compassionate in attending to his needs. He alway … (read more)
Foundational Health Home Care is an excellent agency, they assisted my Elderly Father until his recent passing. Their staff was always very caring and compassionate in attending to his needs. He alway … (read more)

Meetcaregivers, Inc.

124 Vernon St. , Newton, MA, 02458

MeetCaregivers is a fabulous agency. They are responsive and sensitive to the needs of the client and family, and work hard to find the right match(es). For example, my mother was extremely hard of … (read more)
MeetCaregivers is a fabulous agency. They are responsive and sensitive to the needs of the client and family, and work hard to find the right match(es). For example, my mother was extremely hard of … (read more)

TLC HomeCare

1550 Williston Road, South Burlington, VT, 05403

I live in Costa Rica and my parents are in Vermont. I am writing this review on all three of their pages as I am not sure which one is accurate. I am so grateful for the help and support provided … (read more)
I live in Costa Rica and my parents are in Vermont. I am writing this review on all three of their pages as I am not sure which one is accurate. I am so grateful for the help and support provided … (read more)

Assisting Hands Home Care of Wilmington

5 Middlesex Ave, Ste 19, Wilmington, MA, 01887

On very short notice we needed help for my mother-in-law when she returned to her assisted living facility after spending a month in rehab for a broken arm. Her facility insisted she have 24 hour atte … (read more)
On very short notice we needed help for my mother-in-law when she returned to her assisted living facility after spending a month in rehab for a broken arm. Her facility insisted she have 24 hour atte … (read more)

Kind Senior Care

800 Turnpike St., Suite 300 , North Andover, MA, 01845

This agency was very professional. If the normal person couldn’t come, they would find someone else. This agency had great people working for us.
This agency was very professional. If the normal person couldn’t come, they would find someone else. This agency had great people working for us.

CareTrak Home Care LLC

32 Newbury Street, Lowell, MA, 01851

This company was amazing. During my injury, they provided me with the best in-home non-medical care to help me with my leg. I hurt my leg and couldn’t move easily or prepare meals as I could not stand … (read more)
This company was amazing. During my injury, they provided me with the best in-home non-medical care to help me with my leg. I hurt my leg and couldn’t move easily or prepare meals as I could not stand … (read more)

Help in Home

841 Main Street, West Newbury, MA, 01985

I chose them after speaking to the owner. He called me back right away and we spoke on the phone. He was actually the only person that called me back after I had reached out to them. Their care we’re … (read more)
I chose them after speaking to the owner. He called me back right away and we spoke on the phone. He was actually the only person that called me back after I had reached out to them. Their care we’re … (read more)

Truly Cherished Home Care LLC

305 Whiney St, suite G4, Leominster, MA, 01453

Truly Cherished was unbelievably helpful and kind when our family was in a time of need. My grandfather needed 24 hour assistance at home, especially when COVID restrictions would not allow family to … (read more)
Truly Cherished was unbelievably helpful and kind when our family was in a time of need. My grandfather needed 24 hour assistance at home, especially when COVID restrictions would not allow family to … (read more)

Nurta Home Healthcare – Lynn, MA

330 Lynn Way, #346, Lynn, MA, 01901

I have been using this for agency for few months now, they’re amazing, very caring, great service, nothing but the best. Caregivers arrive on time to care for my aunty. My Initial call and request f … (read more)
I have been using this for agency for few months now, they’re amazing, very caring, great service, nothing but the best. Caregivers arrive on time to care for my aunty. My Initial call and request f … (read more)

Associated Home Care, Inc.

495 Cabot Street, Beverly, MA, 01915

Associated Home Care is very good. They clean and take me grocery shopping. Each caregiver comes once a week, and each is very friendly and cooperative. I’m happy with the communication from the home … (read more)
Associated Home Care is very good. They clean and take me grocery shopping. Each caregiver comes once a week, and each is very friendly and cooperative. I’m happy with the communication from the home … (read more)

Independence Home Care, Inc.

21 Custom House Street, Suite 910, Boston, MA, 02110

I contacted Independence Home Care because my mother needed very special care. My mother received excellent care from IHC. I had heard about Independence Home Care from MIT University, they told me IH … (read more)
I contacted Independence Home Care because my mother needed very special care. My mother received excellent care from IHC. I had heard about Independence Home Care from MIT University, they told me IH … (read more)

Paying for Home Care in Andover, MA

The Cost of Home Care in Andover, MA

Because of Andover’s proximity to Boston, the city shares the capital’s average monthly home care cost of $6,292, according to the 2021 Genworth Cost of Care Survey, which is $381 higher than the state average and $1,335 higher than the national average. Lower home care rates are found in the central to far west cities of Massachusetts in Worcester, Springfield and Pittsfield. Seniors living in the far southeast region of the state, in Barnstable Town, can expect to pay the highest home care fees.

$6292

Andover

$5911

Massachusetts

$4957

The United States

$5339

Springfield

$5625

Pittsfield

$5720

Worcester

$6673

Barnstable Town

The Cost of Home Care vs. Other Senior Care Options in Andover, MA

Home care, which includes personal care and help with household tasks, costs $48 more than home health care involving light medical services that are usually administered by registered nurses or therapists. Adult day health care programs are the most affordable option and ideal for seniors who only need assistance for short periods during the day. Home care in Andover is $527 less than assisted living services and over 50% less than skilled nursing care provided in nursing homes.

$6292

Home Care

$6244

Home Health Care

$1614

Adult Day Health Care

$6819

Assisted Living

$13155

Nursing Home Care (semiprivate room)

Note: Data for Andover was unavailable, so data for the nearest city, Boston, was used instead.

Financial Assistance for Home Care in Andover, MA

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.

Andover 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 Andover:

Senior Tax Exemptions

Address: 36 Bartlet St., Andover, MA 01810
Phone: (978) 623-8200

The Real Estate Tax Deferral 41A offers a long-term deferral of property taxes for owner/occupants aged at least 65 or older. The maximum value of the deferral is 50% of the property’s appraisal, and the owner must not earn more than $40,000 per year. The deferred amount incurs interest at 5%. Program 41C offers an additional $1,000 per year for those aged 70 and over and earning less than $20,000. Program 41D provides an additional $350 for estates that are worth a total of $40,000 or less.

Supportive Day Program

Address: 30 Whittier Crt., Andover, MA 01810
Phone: (978) 623-8302

Respite for caregivers is available at the Andover Senior Center. When seniors visit the supportive day program, they benefit from a variety of activities that are designed to help them engage with the community. This program is open to all new individuals and families, and the first day is considered a free trial. Respite is available for a full day or a partial day depending on the caregiver’s needs. Transportation to the senior center can be arranged.

Weatherization Assistance Program (WAP)

Address: 305 Essex St., Lawrence, MA 01840
Phone: (978) 681-4950

All households in Andover with an occupant receiving SSI are categorically eligible for weatherization assistance. Eligible applicants can receive air sealing, insulation installation and limited repairs related to energy efficiency. Heating and cooling systems will also be tested for health and safety. The application for Fuel Assistance Program (LIHEAP) also serves as the application for this weatherization program. This program is carried out by the Greater Lawrence Community Action Council.

Home Modification Loan Program

Address: 17 Kirk St., Lowel, MA 01852
Phone: (978) 654-5741

For seniors in Andover who need to make modifications to their home so they can age in place gracefully, this program offers an interest-free loan. Low-income seniors can receive up to $50,000 to pay for labor and materials, and they are free to hire the contractor of their choice. Common modifications include ramps, handrails and accessible showers. This program does not help pay for modifications made to a home prior to the loan approval.

Meals on Wheels

Address: 280 Merrimack St., Suite 400, Lawrence, MA 01843
Phone: (800) 892-0890

Elder Services of the Merrimack Valley and the federally funded Meals on Wheels program collaborate to provide home-delivered meals for seniors in need in Andover. While there is no cost for this program, those who are able to are encouraged to make a $2 donation. Only seniors who are unable to make it to their local senior center for meals will qualify. An Outreach Coordinator will come to the applicant’s home to determine if they are eligible for this program.

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.

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.

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