The 10 Best In-Home Care Services for Seniors in Gardner, MA for 2023
Gardner is a city in North Central Massachusetts with historical museums, scenic parks and other attractions for seniors. According to the U.S. Census, 18.2% of the 20,902 residents in the city are aged 65 and older. Many of these seniors choose Gardner for its relatively affordable living costs and the high number of physicians per capita, which is better than the U.S. average. Having Heywood Hospital within the city limits is also a plus. Seniors in Gardner who need in-home care pay an average of $5,720 per month. If they need medical care at home, they may pay a bit more for the services of trained and licensed medical professionals.
Below we’ve compiled a comprehensive directory of every home care provider in the Gardner area – 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 Gardner, MA
124 Vernon St. , Newton, MA, 02458
"MeetCaregivers is a fabulous agency. They are responsive and sensitive to the needs of the client and family, and work hard to find the right match(es). For example, my mother was extremely hard of hearing and needed caregivers who could speak ..."READ MORE
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Truly Cherished Home Care LLC
305 Whiney St, suite G4, Leominster, MA, 01453
"Truly Cherished was unbelievably helpful and kind when our family was in a time of need. My grandfather needed 24 hour assistance at home, especially when COVID restrictions would not allow family to visit him. The owner was sure to have someone w..."READ MORE
Oasis At Dodge Park
101 Randolph Road, Worcester, MA, 01606
"My Dad has been with Oasis for over 2 years. I tell everyone I know about Oasis. Dad was in a prior facility that did not have the training or the capability to care for those who have mental challenges from dementia. The people at Oasis are wo..."READ MORE
Marisata Care LLC
346 Turnpike Red, #2307, Westborough, MA, 01581
"Zynab and her team of caregivers provided a valuable support to our family when our Dad was diagnosed with stage 4 cancer and Dementia. There attendance was wonderful, caregivers were gentle, professional, helpful and supportive. Their service wer..."READ MORE
Plan B Home Care
100 Trade Center, Ste. G700, Woburn, MA, 01801
"A friend recommended Plan B to me. We've been pleased with everything. Esther is good in checking and communicating with me. She's on top of everything. My parents like their caregivers. They're doing a great job. "READ MORE
Integra Home Health
264 N Main Street, Suite 12, East Longmeadow, MA, 01028
"Prime Home Health is very good, and so far it’s working out fine. The staff was fine, and we just started using them. That’s a blessing. The caregiver is very caring, and I liked her. The billing was good, and the lady who runs it was good. "READ MORE
BetterPace BetterLife Transportation & Home Care LLC
1078 W Boylston St suite 202 204, Worcester, MA, 01606
" "READ MORE
Paying for Home Care in Gardner, MA
The Cost of Home Care in Gardner, MA
The average cost of home care in Gardner is about $200 less than the state average, according to Genworth’s 2021 Cost of Care Survey, but it’s $763 more than the national average. Pittsfield and Springfield are the only cities in the state with more affordable rates than Gardner: $95 less and $381 less, respectively. Home care in the eastern part of the state is significantly higher: about $550 more in Boston and nearly $900 more in Barnstable.
The Cost of Home Care vs. Other Senior Care Options in Gardner, MA
The average cost for assisted living in Gardner is $5,685 per month, which is only $35 less than nonmedical home care and $229 less than home health care provided by licensed medical professionals. Families on a more limited budget may be able to use adult day health care, reducing their senior care expenses by a little over $3,800. This level of care may not be adequate for some seniors, especially those who need around-the-clock medical supervision. That can be where nursing homes play a role, but they have an average price of $11,863 per month for a semiprivate room.
Home Health Care
Adult Day Health Care
Nursing Home Care (semiprivate room)
Note: Data for Gardner was unavailable, so data for the nearest city, Worcester, was used instead.
Financial Assistance for Home Care in Gardner, 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 Gardner, MA
Seniors aging in place in Gardner may be able to reduce their expenses and increase their quality of life by taking advantage of the free and low-cost resources listed in the table below. These resources are provided by local and state governments as well as nonprofit organizations.
|Gardner Senior Center||(978) 630-4067||The Gardner Senior Center is the physical location used by many local organizations which strive to reach out to older adults in need throughout the city. The center is open Monday through Friday, when it hosts fitness classes, congregate meals, veterans support groups and educational courses.|
|Meals On Wheels||(978) 345-7040||Homebound seniors in Gardner at risk of going hungry due to lack of mobility can get deliveries of nutritious food from the Meals On Wheels program run by Making Opportunity Count. The program has a diverse monthly menu, with special items for recipients with medical conditions.|
|Aging Services of North Central Massachusetts||(800) 734-7312||This government agency helps Gardner seniors live independently by offering an array of home care services, including personal assistance, homemaking and personal shopping. The agency can also set up medical alert systems and arrange grocery shopping trips. Services are available to seniors aged 60 and over based on income.|
|Senior Property Tax Exemptions||(978) 630-4004||Senior homeowners in Gardner may qualify for one of many tax exemptions targeted at older adults. Owners 70 and older may receive a $500 exemption under Clause 41 if they meet certain income requirements. Owners 65 and older may qualify for a tax deferment, which must be repaid when the property is sold.|
|Energy Services||(978) 342-7025||To save seniors money on their energy bills, Making Opportunity Count offers weatherization improvements, along with heating system replacement and repair services. Households save an average of $350 with this program. While services are free, there is a financial limit on how much money is available for each property.|
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.Contains flex elementsImage width (percent):85
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.Contains flex elementsImage width (percent):85