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The 10 Best Home Care Agencies for Seniors in Haverhill, MA for 2024

Located along the Merrimack River, Haverhill sits at the head of Boston Bay. The city has 67,361 residents and a senior population of 14.5%, which is a little less than the national average of 16.8%. It’s located about 35 miles north of Boston and has a cost of living that’s 13.4% more than the national average. Seniors have access to high-quality health care, including Massachusetts General Hospital and Lawrence General Hospital. According to Genworth Financial’s 2021 Cost of Care Survey, seniors who need help with their daily routines, including personal care, pay about $6,292 per month for home care services. Home health care is also available for those needing limited skilled nursing care.

Below we’ve compiled a comprehensive directory of every home care provider in Haverhill– 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.

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Home Care Agencies in Haverhill, MA

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Paying for Home Care in Haverhill, MA

The Cost of Home Care in Haverhill, MA

Due to Haverhill’s proximity to Massachusetts’ capital city of Boston, both locations share the same average home care cost of $6,292 per month, according to the 2021 Genworth Cost of Care Survey. Home care costs in Haverhill are $381 higher than the state average and $1,335 higher than the national average. Prices in the western part of Massachusetts are lower in Springfield and Pittsfield, as well as in the central city of Worcester. Seniors can expect to pay the highest rates in the far southeast corner of the state in Barnstable.

Haverhill

$6,292

Massachusetts

$5,911

The United States

$4,957

Springfield

$5,339

Pittsfield

$5,625

Worcester

$5,720

Barnstable

$6,673

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

Nonmedical home care services in Haverhill cost slightly more than home health care, which provides light medical services and therapies. Seniors can expect to pay $527 more per month for assisted living and $6,863 more for nursing home care, which is more than double the price of in-home care. A more affordable option is adult day health care, which is $4,678 less than home care. However, these programs require seniors to travel to their community for assistance and recreational activities.

Home Care

$6,292

Home Health Care

$6,244

Adult Day Health Care

$1,614

Assisted Living

$6,819

Nursing Home Facility (semiprivate room)

$13,155

 Note: Data for Haverhill was unavailable, so data for the nearest city, Boston, was used instead.

Financial Assistance for Home Care in Haverhill, 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.

Haverhill 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 Haverhill:

ResourceContactAddressService
Supplemental Nutrition Assistance Program (SNAP)(978) 825-730045 Congress Street, Suite 4120, Salem, MA 01970Low-income seniors in Haverhill can apply for assistance from the Supplemental Nutrition Assistance Program (SNAP). This federally mandated program is administered by local Department of Transitional Assistance (DTA) offices. SNAP benefits can be used to purchase food products at stores and some farmers’ markets. If seniors pass the financial and non-financial eligibility requirements, they receive a benefits card with their benefits loaded. Call the program directly for more information.
Right at Home(978) 373-8010350 Main Street, Haverhill, MA 01830Haverhill seniors who need rides to errands or medical appointments can call Right at Home. Caregivers provide transportation and keep seniors safe during transit. As well as van services to the grocery or drug store, seniors can try Right at Home’s ridesharing service, which uses Lyft to get seniors where they need to go. 
Action, Inc.(978) 283-7874180 Main Street, Gloucester, MA 01930Based in Gloucester, Action Inc. serves Haverhill and all of Essex County, as well as Rockport, Ipswich and Manchester counties. It offers low-income seniors and residents financial assistance with the following services:
Homestead Exemptions for Property Tax(978) 557-1900Northern Essex Registry of Deeds, 354 Merrimack Street Suite 304 (C), Lawrence, MA 01843In Haverhill and throughout Massachusetts, seniors can apply for property tax exemptions under the state’s homestead legislation. The state exempts $125,000 to $500,000, depending on the assessed value of the home and other factors. Seniors must currently live in the homestead property and work with local governments to determine their eligibility. 

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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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

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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