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The 10 Best Home Care Agencies for Seniors in Carver, 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 Carver, MA, residents and their loved ones rate In Home Care agencies across the 21 options below.

Home Care Agencies in Carver, MA

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Paying for Home Care in Carver, MA

The Cost of Home Care in Carver, MA

As Carver is only 45 minutes from Barnstable, the 2021 Genworth Cost of Care Survey adds its cost data to the bigger city, resulting in a median monthly fee of $6,673 for home care. This is significantly more than the state and national midpoints of $5,911 and $4,957, respectively. Carver is costlier than other cities in Massachusetts, including Boston ($6,292), Worcester ($5,720) and Springfield ($5,339). It’s also more expensive than the closest city in neighboring Rhode Island, as Providence’s seniors share a median monthly fee for home care with Worcester.

Carver

$6,673

Massachusetts

$5,911

The United States

$4,957

Boston

$6,292

Worcester

$5,720

Springfield

$5,339

Providence, Rhode Island

$5,720

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

Adult day care typically costs $953 per month in Carver, which is more affordable than home care, although it might be unsuitable for homebound seniors. Home health care shares a median fee with home care, with the former offering medical care from licensed professionals. Assisted living costs around $7,000, which is an enticing option for seniors considering home care who are willing to live in a facility. Nursing home care is the most expensive option, with standard semiprivate rooms costing $12,836.

Home Care

$6,673

Home Health Care

$6,673

Adult Day Care

$953

Assisted Living

$7,000

Nursing Home Care (semiprivate room)

$12,836

Note: Data for Carver was unavailable, so data for the nearest city, Barnstable, was used instead.

Financial Assistance for Home Care in Carver, 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.

Carver 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 Carver:

ResourceContactAddressService
Low Income Weatherization Assistance Program (WAP)(617) 573-1100100 Cambridge St., Suite 300, Boston, MA 02114Seniors in Carver can get their homes ready for the winter at no cost with help from the Low Income Weatherization Assistance Program (WAP). WAP provides free home inspections for seniors in Carver, as well as help paying for the installation of new or upgraded insulation, windows and doors. The program also gives senior homeowners in Carver helpful tips for improving their homes’ current energy efficiency with new appliances and strategic shade trees on the property. This program has income and asset limitations for seniors who apply.
Home Modification Loan Program (HMLP)(617) 204-3600600 Washington St., Boston, MA 02111Homeowners in Carver who are seniors aged 60 and over may be eligible for a no-interest home improvement loan through the Home Modification Loan Program (HMLP). Seniors who own a home, but who earn less than the program’s income threshold, may be able to borrow the funds they need to bring a house up to code, or to improve safety and accessibility, with a 0% interest loan from one of the HMLP’s approved lenders. Income and asset limits apply.
Low-Income Home Energy Assistance Program (LIHEAP)(617) 573-1100100 Cambridge St., Suite 300, Boston, MA 02114Carver seniors may be able to reduce the monthly cost of heating and cooling their homes by up to 30% through the Low-Income Home Energy Assistance Program (LIHEAP), sometimes called the Fuel Assistance Program in Massachusetts. Seniors in Carver who meet the program’s income maximums can sign up for LIHEAP online or by mail. In addition to the monthly discount, many LIHEAP recipients also get assistance upgrading their energy-inefficient old appliances, weatherizing their homes or preventing disconnected utility service with one-time emergency bill payments that may be requested on short notice with a letter of disconnect and proof of residency in Plymouth County.
Family Caregiver Support Program(617) 727-7750One Ashburton Place, Floor 5, Boston, MA 02108The Family Caregiver Support Program helps seniors in Carver live independently by paying the cost of an in-home caregiver. The program also supports caregivers with education resources, support groups and respite care. Seniors aged 55 and over who are raising an underage family member can also apply to the program for help finding education resources, signing up for benefits the family may be eligible for and meeting personal care needs for the children.

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
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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

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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