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The 10 Best Home Care Agencies for Seniors in Boxford, MA for 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 Boxford, MA, residents and their loved ones rate In Home Care agencies across the 31 options below.

Home Care Services in Boxford, Massachusetts

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On this page:

  • Home Care Services in Boxford, Massachusetts
  • Paying for Home Care in Boxford, MA
  • Financial Assistance for Home Care in Boxford, MA
  • Boxford Home Care Resources
  • Determining Your Loved One’s Need for In-Home Care
  • Guidelines for Talking About In-Home Care

Paying for Home Care in Boxford, MA

The Cost of Home Care in Boxford, MA

In Boxford, MA, home care costs are approximately $381 more than the state median. The cost is also $1,335 more than the national median. The cost of care in Worcester is about $570 less expensive than Boxford. Also to the west, Springfield ($5,339) and Pittsfield ($5,625) are less costly options than in-home care in Boxford, but Barnstable Town, which is located at the tip of Cape Cod, is almost $400 more expensive.

Boxford

$6,292

Massachusetts

$5,911

The United States

$4,957

Pittsfield

$5,625

Barnstable Town

$6,673

Worcester

$5,720

Springfield

$5,339

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

Home care in Boxford is approximately $527 less than assisted living and $6,863 less than skilled nursing. For adults who can go to adult day care, the cost is approximately one-fourth of the cost of home care services at $1,614, compared to $6,292 for home care. Adult day care services may require seniors to travel to a different location. Residents who need skilled medical care may choose home health care rather than home care, which does not provide medical services.

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 Boxford was unavailable, so data for the nearest city, Boston, was used instead.

Financial Assistance for Home Care in Boxford, 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.

Boxford 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 Boxford:

ResourceContactAddressService
Action, Inc.(978) 283-7874180 Main Street, Gloucester, MA 01930Based in Gloucester, Action Inc. is available to seniors in Essex, Manchester, Rockport and Ipswich counties. It provides financial assistance to low-income seniors for the following services:
Homestead Exemptions for Property Tax(978) 557-1900Northern Essex Registry of Deeds, 354 Merrimack Street Suite 304 (C), Lawrence, MA 01843Throughout Massachusetts, aging citizens may apply for property tax exemptions via the homestead laws. The state gives up taxes on $125,000 to $500,000 of the assessed property value, based on the total assessed value of the home and the income of the property’s senior owners. Seniors must live in the homestead property and can approach their local taxing authority to determine their eligibility. 
Supplemental Nutrition Assistance Program (SNAP)(978) 825-730045 Congress Street, Suite 4120, Salem, MA 01970Boxford seniors can apply for help from the Supplemental Nutrition Assistance Program (SNAP), formerly known as food stamps. This federally mandated program is distributed through local or regional Department of Transitional Assistance (DTA) offices. Seniors residents can use SNAP benefits to buy food in stores and some farmers’ markets. There are both financial and non-financial criteria, and Boxford seniors who qualify receive a benefits card in the mail.

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 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.

Download
Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs

In Home Care near Boxford, MA

TopsfieldGeorgetownWest BoxfordMiddletonHathorneRowley

Other Options in Boxford, MA

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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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