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The 10 Best Home Care Agencies for Seniors in Gloucester, 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 Gloucester, MA, residents and their loved ones rate In Home Care agencies 3 out of 5 stars across the 28 options below.

Home Care Agencies in Gloucester, MA

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Paying for Home Care in Gloucester, MA

The Cost of Home Care in Gloucester, MA

Residents of Gloucester and other communities in the Boston Metro Area who use home care services pay a monthly average of $6,292, which is substantially more than the national average of $4,957 but only a little over $200 more than the Massachusetts average of $5,911. The highest home care costs in Massachusetts are found in the Cape Cod community of Barnstable Town at $6,673, while those in Springfield pay the least at $5,339. Other home care costs in Massachusetts include $5,625 in Pittsfield and $5,720 in Worcester. 

Gloucester

$6,293

Massachusetts

$5,911

The United States

$4,957

Barnstable Town

$6,673

Springfield

$5,339

Pittsfield

$5,625

Worcester

$5,720

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

Home health care costs in Gloucester are slightly lower than home health care costs, which average $6,244 per month. At $1,614, adult day health care is the most affordable senior care option in Gloucester, but this is usually only available during the daytime hours. Residents of assisted living facilities pay a month average of $6,819, while those requiring clinical levels of care pay a monthly average of $13,155 for semiprivate accommodations in nursing homes. 

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

Financial Assistance for Home Care in Gloucester, 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.

Gloucester 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 Gloucester:

ResourceContactAddressService
Massachusetts Department of Revenue (800) 392-6089100 Cambridge St., Boston, MA 02114Massachusetts has some of the highest taxes in the country. Fortunately, seniors 65 and up may be eligible for a $1,100 refundable credit on personal state income taxes. The so-called Circuit Breaker tax credit is based on the amount of real estate taxes paid on the Gloucester home where the senior resides. 
Massachusetts LIHEAP(978) 373-1971 3 Washington Sq., 2nd Floor, Haverhill, MA 01830This state-funded program offers financial assistance with heating and electric bill payment for Gloucester seniors who meet certain income guidelines. Household size impacts the benefit amount, which varies from year to year. Other programs available offer assistance with home weatherization, which reduces heating and cooling costs throughout the year.
Action, Inc.(978) 283-7874180 Main St., Gloucester, MA 01930This agency, located in Gloucester, covers seniors in Essex, Rockport, Gloucester, Ipswich and Manchester counties. It helps low-income seniors pay their heating costs in the cold winter months in partnership with the Citgo Free Oil Heat program. Seniors may also be able to get assistance for heating system maintenance. Weatherization assistance offered by Action, Inc. can result in energy-saving updates to property owned and occupied by seniors.
SeniorCare, Inc. – Gloucester Meals on Wheels(978) 281-175049 Blackburn Ctr., Gloucester, MA 01930Meals on Wheels delivers nutritious meals for Gloucester seniors who can no longer prepare their meals. Volunteers deliver the meals and provide human contact for vulnerable seniors. This can improve their health and well-being.

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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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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