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The 10 Best Home Care Agencies for Seniors in Georgetown, 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 Georgetown, MA, residents and their loved ones rate In Home Care agencies across the 33 options below.

Home Care Services in Georgetown, Massachusetts

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On this page:

  • Home Care Services in Georgetown, Massachusetts
  • Paying for Home Care in Georgetown, MA
  • Financial Assistance for Home Care in Georgetown, MA
  • Georgetown 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 Georgetown, MA

The Cost of Home Care in Georgetown, MA

Monthly home care rates in Georgetown are $381 higher than the state average and $1,335 above the national median. Fees here are $572 pricier than in Worcester, about 60 miles southwest in the heart of Massachusetts. Another 55 miles west in Springfield, seniors pay $953 less than those in Georgetown. However, in-home care in Barnstable Town, 99 miles southeast, costs $381 more.

Georgetown

$6,292

Massachusetts

$5,911

The United States

$4,957

Worcester

$5,720

Springfield

$5,339

Pittsfield

$5,625

Barnstable Town

$6,673

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

Home care in Georgetown costs about $50 less per month than home health aide services, although the latter may include skilled nursing or professional therapy. In-home care rates are less than half those of nursing home care in this area, and adult day care programs cost roughly one-quarter of the price of home care here. However, seniors must be able to leave home and travel to a senior center to participate.

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

Financial Assistance for Home Care in Georgetown, 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.

Georgetown 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 Georgetown:

ResourceContactAddressService
Massachusetts Department of Revenue (800) 392-6089100 Cambridge Street, Boston, MA 02114Although the state has some of the highest tax rates in the nation, there are a few exemptions for seniors who own property. Single people 65 and older may have a $1,000 tax exemption if their income is less than $23,718 per year and assets not in excess of $40,000. Deduction of the total water and sewer bills may be open to those 65 and older whose property taxes exceed 10% of their income. Exemptions for veterans and the legally blind are also available. 
Home Modification Loan Program (HMLP)(617) 204-3600600 Washington Street, Boston, MA 02111The Massachusetts Rehabilitation Commission offers a no-interest loan program to help adults with disabilities modify their home, including bathroom access, larger doorways, and wheelchair ramps. The amount each household is eligible for depends on income and household size, although each home may only have one loan issued. The amount available to borrow ranges from $1,000 up to $50,000 (inclusive of all costs). 
Georgetown COA Meal and Activity Site(978) 452-5726.51 North Street, Georgetown, MA, 01833Nutritious lunches are served Monday through Wednesday at the Georgetown Community Center, with spaces available by reservation. This outreach program is funded by the Older Americans Act and, while a small donation is advised, the program is free. This encourages seniors to enjoy socialization, thus reducing isolation. Transportation may be provided here through the COA Transportation Services. 
COA Transportation Services(978) 352-572651 North Street, Georgetown, MA 01833Seniors in Georgetown have options for transportation assistance. Two days a week, the COA van will take the elderly on shopping trips or to run errands. A Ring-and-Ride service is available for any type of appointment in the greater Boston area but requires a 24-hour notice. The North Essex Transportation Service also provides rides on an as-needed basis, with reservations required. All of these programs are executed by the Georgetown Senior Center and the Council on Aging. 
Massachusetts LIHEAP and HEARTWAP programs(978) 373-1971 3 Washington Square, 2nd Floor, Haverhill, MA 01830These programs are funded by the Massachusetts Department of Housing and Community Development and offer heating and electricity bill payment assistance for those who meet certain income guidelines. Eligibility is based on household size and can vary from year to year. Other programs include home weatherization for the elderly and needy. 

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 Georgetown, MA

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Other Options in Georgetown, 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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