The Best Home Care Agencies for Seniors in Falmouth, MA for 2025

According to the 2021 Genworth Cost of Care Survey, the cost of home care services in the southern Cape Code area is the same cost as the Boston area, which is $381 per month higher than the Massachusetts state average, and $1,335 higher than the national average. The home care costs in Falmouth are $381 per month cheaper than the Barnstable area of Cape Cod. Lower average costs are found to the west in Springfield where seniors pay $953 less per month than in Falmouth.

Seniors living in the Cape Cod area have a variety of elder care options to choose from. Home care and home health care have identical average prices, although home health care is intended for seniors requiring more skilled medical services. If more intensive care is needed, assisted living arrangements are $327 per month more expensive. Adult day care is by far the cheapest option, at just $953 a month, while nursing homes costs can range upwards of $10,000.

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.