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The 10 Best Home Care Agencies for Seniors in Groveland, 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 Groveland, MA, residents and their loved ones rate In Home Care agencies across the 31 options below.

Home Care Services in Groveland, Massachusetts

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On this page:

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

The Cost of Home Care in Groveland, MA

The 2021 Genworth Cost of Care Survey indicates that home care costs in Groveland and the rest of the Boston area run about $6,292 per month. This is higher than the state and national averages by $381 and $1,335 respectively. Cities like Fitchburg in south central Massachusetts, Springfield in the west central part of the state and Pittsfield to the far west are out of the Boston metropolitan area and tend to be less expensive by hundreds per month.

Groveland

$6,292

Massachusetts

$5,911

The United States

$4,957

Fitchburg

$5,720

Springfield

$5,339

Pittsfield

$5,625

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

Home care may be a good choice for seniors who need extra help around the house and with personal care activities. Those who require light medical assistance may choose home health care at a slightly lower price. Assisted living runs $500 more than home care, and skilled nursing adds $6,800 to the monthly bill; these may be necessary for more extensive care. The least expensive option  is adult day care, available outside the home only during weekday business hours.

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

Financial Assistance for Home Care in Groveland, 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.

Groveland 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 Groveland:

ResourceContactAddressService
Home Modification Loan Program (HMLP)(617) 204-3600600 Washington St., Boston, MA 02111This program, offered by the Massachusetts Rehabilitation Commission, provides loans at 0% interest to help seniors and other adults with disabilities make accessibility improvements to their homes. These changes may include wider doors, grab bars in the bathroom and ramps for wheelchairs. Ranging from $1,000 to $50,000, the loans are based on household size, and each home can only take out one loan. 
Energy Savings and Fuel Assistance(978) 768-793217 Pickering St., Essex, MA 01929Essex county-based programs for energy and fuel cost assistance ensure that some low-income seniors can stay warm during the winter. Agencies providing fuel assistance for seniors can be found here
Action, Inc.(978) 283-7874180 Main St., Gloucester, MA 01930Gloucester-based Action, Inc. serves Groveland and all of Essex County, as well as surrounding counties. Low-income seniors can get help with paying for heating during the winter and may also be able to get help weatherizing their homes. 
Homestead Exemptions for Property Tax(978) 557-1900Northern Essex Registry of Deeds, 354 Merrimack St. Suite 304 (C), Lawrence, MA 01843In Groveland and throughout Massachusetts, seniors can save money on their property tax bills. Homestead Exemptions remove $125,000 to $500,000 from the assessed value of seniors’ homes. Seniors must live in the property listed on their homestead applications and work with their local municipality to evaluate their requests. 

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 Groveland, MA

HaverhillGeorgetownWest NewburyWest BoxfordByfieldMerrimac

Other Options in Groveland, 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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