The 10 Best Home Care Agencies for Seniors in Gloucester, MA for 2025

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. 

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. 

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.