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The 10 Best Home Care Agencies for Seniors in Andover, MA for 2024

Last Updated: June 5, 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 Andover, MA, residents and their loved ones rate In Home Care agencies across the 49 options below.

Home Care Agencies in Andover, MA

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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.

Andover

$6,292

Massachusetts

$5,911

The United States

$4,957

Springfield

$5,339

Pittsfield

$5,625

Worcester

$5,720

Barnstable Town

$6,673

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.

Home Care

$6,292

Home Health Care

$6,244

Adult Day Health Care

$1,614

Assisted Living

$6,819

Nursing Home Care (semiprivate room)

$13,155

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:

ResourceContactAddressService
Senior Tax Exemptions(978) 623-820036 Bartlet St., Andover, MA 01810The 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(978) 623-830230 Whittier Crt., Andover, MA 01810Respite 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)(978) 681-4950305 Essex St., Lawrence, MA 01840All 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(978) 654-574117 Kirk St., Lowel, MA 01852For 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(800) 892-0890280 Merrimack St., Suite 400, Lawrence, MA 01843Elder 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.

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
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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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