The 10 Best In-Home Care Services for Seniors in Boston, MA for 2023
Boston, Massachusetts, is one of the top 10 retiree-friendly cities in the nation, according to Caring’s 2022 Senior Living report. It boasts low health care costs to two nationally-ranked health care facilities for geriatrics, Brigham and Women’s Hospital and Massachusetts General Hospital. An extensive public transportation system makes it easy for seniors to get around, and the city is regarded as one of the most “walkable” in the country.
According to Genworth Financial’s 2021 Cost of Care Survey, Boston residents pay an average of $6,292 per month for non-medical home care services. Home health care, which includes light medical services such as medication management or wound care, costs slightly less at $6,244.
Below we’ve compiled a comprehensive directory of every home care provider in Boston– 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 Boston, MA
Home Instead - Melrose, MA
One Nelson Ter, 1st Floor, Melrose, MA, 02176
"Home Instead, as an agency, has constantly and consistently pivoted to meet my needs for my father. They have truly been my partner in his care. I appreciate their transparency, heart, inventiveness and work ethic. They have also been receptive an..."READ MORE
Goldstar Home Care Services
40 Crescent St , Waltham, MA, 02453
"Wonderful responsive service! Everyone they have sent has been amazingly graceful, efficient and respectful. We didn’t know what to expect asking for help but have been delighted with the quality and responsiveness of this team!"READ MORE
Right at Home Somerville, MA
2 Florence St , Malden, MA, 02148
"Let me start by saying RIGHT AT HOME has been taking care of my mother for sometime now all the workers do a great job however this one young lady that works Monday and Saturdays from 7: am to 7: pm she is very attentive and respectful thank you s..."READ MORE
Mature Caregivers - Waltham, MA
204 2nd Ave, Waltham, MA, 02451
"Mature Caregivers provided my mother with the most caring and highest quality companionship - exceeding my hopes and expectations at every turn. Our caregivers were chosen specifically for her needs and preferences, creating a feeling of comfort, ..."READ MORE
Home Instead - Waltham, MA
440 Totten Pond Rd, Suite 300, Waltham, MA, 02451
"Home Instead, and in particular, Susan and Kathy, handled every aspect of my Dad's care. From initial consultation to arranging excellent caregivers, everything was expertly handled. Our family would give Home Instead the highest possible recomm..."READ MORE
Didn't find what you were looking for?
Caring's Family Advisors are here to help you with questions about senior living and care options.
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 with anything that she needs like help her chan..."READ MORE
Home Instead - Boston, MA
6 Beacon St, Suite 525, Boston, MA, 02108
"Thay provide home care for my 98 Year Old mother. They arrive on time and stay late if needed. Any concerns I have I can talk to the caregiver and resolve any issues or they will answer any questions that I may have. If I need to call the office ..."READ MORE
Paying for Home Care in Boston, MA
The Cost of Home Care in Boston, MA
The average monthly cost of home care in Boston is $6,292, nearly $400 higher than the state average and $1,335 higher than the national average. Around 40 miles west of the state capital in Worcester, the average cost is approximately 9% lower. Farther west in Springfield, home care is significantly more affordable, representing an average saving of just over $950 per month. Barnstable Town in Massachusetts’ southeast corner is the only city in the state where the average monthly home care cost is more expensive, around 6% higher than the Boston average.
The United States
The Cost of Home Care vs. Other Senior Care Options in Boston, MA
Non-medical in-home care in Boston costs $6,292 per month on average, while in-home health care, which can include certain skilled nursing services and rehabilitation therapies, is around $50 less. Average monthly assisted living facility fees are about $525 higher, and full-time nursing home care is significantly more expensive — over double the cost at $13,155. For some seniors, adult day care, offered outside the home during weekday business hours only, can represent an affordable alternative; prices average less than 26% of the typical cost of home care in the city.
Home Health Care
Adult Day Care
Nursing Home Care (semiprivate room)
Financial Assistance for Home Care in Boston, 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.
Free & Low-Cost Home Care Resources in Boston, MA
Numerous resources in Boston help seniors remain living at home as they age. Some are included below and offer programs on the following topics: healthcare counseling, respite care, legal services, transportation, home repairs and meal services.
|Massachusetts State Home Care Program||Online||Massachusetts provides care management and in-home care to help seniors age in place. Its web page has general information, rate tables and access to Options Counseling, a free service for seniors 60 and over. Residents and their families can call MassOptions toll-free at (800) 243-4636 to connect with a local counselor.|
|Boston Senior Home Care (BSHC)||(617)451-6400||BSHC keeps vulnerable Boston residents in their own homes for as long as possible. It offers information and referrals and access to a wide range of services and programs, from caregiver training to legal advice and referrals to respite services. The program connects seniors and their families to the support they need.|
|Age Strong Commission||(617)635-4366||An initiative of Boston's Area Agency on Aging, the Commission provides access to food through low-cost dine-in locations and meal delivery. Other vital services include the free Age Strong transportation shuttle, taxi coupons, in-person care assessments, home visits, and more.|
|Boston ElderINFO||(617)292-6211||Part of the Elder Care Alliance, ElderINFO provides referrals to community programs such as SNAP, which helps eligible seniors pay for groceries, and Adult Foster Care, which applies principles of shared living to give seniors living at home companionship and care.|
|Beacon Hill Village||(617)723-9713||Part of the Village to Village Network, this organization is a membership-led association of adults 50 and over. It offers an array of support services, social and wellness programs, cultural and educational activities and excursions for Boston seniors.|
|Senior Home Repair Program||(617)635-4663||In partnership with the Boston Home Center, this program provides discounted small home repairs for seniors and zero percent-interest deferred loans for major tasks such as replacing a roof or heating system. The program also runs a foreclosure intervention service as well as other initiatives to help seniors remain in their homes.|
|FoodSource (FS) Hotline||(800)645-8333||Seniors living at home often experience food insecurity, especially as grocery prices rise. Hosted by Project Bread, the FS hotline provides emergency food assistance in 180 languages. It prioritizes seniors for immediate relief with referrals to community nutrition programs, including food pantries, the Boston Food Bank and Meals on Wheels services.|
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 – oftentimes 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.
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.