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The 10 Best Home Care Agencies for Seniors in Beverly, 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 Beverly, MA, residents and their loved ones rate In Home Care agencies 4.8 out of 5 stars across the 43 options below.

Home Care Agencies in Beverly, MA

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Paying for Home Care in Beverly, MA

The Cost of Home Care in Beverly, MA

The typical senior in Beverly pays about $6,292 per month for home care. According to the 2021 Genworth Cost of Care Survey, this is about $381 per month more than normal for Massachusetts and $1,335 more than the U.S. average. Beverly’s seniors also pay more than their peers in Worcester, who pay approximately $5,720, and in Springfield, where the median is $5,339. However, they don’t pay as much as in Barnstable, where the typical fee is $6,673. In Manchester, New Hampshire, to the west, the median fee is $6,149.

Beverly

$6,292

Massachusetts

$5,911

The United States

$4,957

Worcester

$5,720

Springfield

$5,339

Barnstable

$6,673

Manchester, New Hampshire

$6,149

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

Adult day care is Beverly’s most affordable option, at $1,614. Home health care is less costly than home care, with the former costing around $6,244, and the latter, $6,292. Home health care is a medical service typically delivered by registered nurses and therapists, while home care provides nonmedical services. Assisted living fees of around $6,819 make it the most affordable option with accommodations, while nursing home care is the costliest, at $13,155 for a semiprivate room.

Home Care

$6,292

Home Health Care

$6,244

Adult Day Care

$1,614

Assisted Living

$6,819

Nursing Home Care (semiprivate room)

$13,155

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

Financial Assistance for Home Care in Beverly, 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.

Beverly 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 Beverly:

ResourceContactAddressService
Senior Center – Meals, Trips and Activities(978) 921-601790 Colon Street, Beverly, MA 01915Beverly Council on Aging (BCOA) operates a senior center with many programs, activities and services for seniors in the area, such as theme parties and group outings to restaurants and local attractions. Volunteers at the center can help residents learn how to use computers, smartphones and tablets on Mondays and Fridays, which helps seniors stay connected to the community and family.
Transportation for Seniors and the Disabled(978) 921-607890 Colon Street, Beverly, MA 01915BCOA also offers wheelchair-accessible transportation for Beverly seniors and people with disabilities. It’s free for anyone going to and from the senior center and costs $1 for trips to other locations, such as medical appointments or shopping.
Support Groups, Wellness Programs and Referrals(978) 921-601790 Colon Street, Beverly, MA 01915Seniors and caregivers in Beverly may benefit from the support groups, wellness programs and referral services offered by BCOA. Light exercise and balance training classes are available, along with walking groups, health seminars and medication counseling.
Meal Delivery for Seniors(978) 281-1750100 Cummings Center, Suite 106H, Beverly, MA 01915SeniorCare Inc. manages the local Meals on Wheels program, which provides home-delivered lunches for seniors who can’t prepare a nutritious meal for themselves. There is no financial eligibility requirement, but a donation of $2 per meal is requested.
Heating Fuel and Energy Assistance(978) 531-0767119 Rear Foster Street, Building 13, Peabody, MA 01960North Shore Community Action Programs (NSCAP) helps low-income seniors and families pay for heating fuel and energy used between November and April. Free inspections to improve energy efficiency and lower household utility bills are also available.

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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