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

Located 30 miles west of Boston, Marlborough is a thriving suburban community with 40,971 residents, including 5,800 senior citizens. As part of the greater Boston area, residents have access to numerous amenities and world-class medical facilities, including the UMass Memorial-Marlborough Hospital. The area is also served by many home care agencies that can help seniors meet their day-to-day needs. The median cost of in-home care in Marlborough is $5,720 per month, which is higher than the national average but lower than the rest of the state. In addition to helping with chores, meal prep and grooming, home health care agencies are licensed to provide skilled medical care, such as intermittent nursing and speech therapy.

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

Home Care Agencies in Marlborough, MA

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Paying for Home Care in Marlborough, MA

The Cost of Home Care in Marlborough, MA

Home care agencies in Marlborough typically charge $5,720 per month according to Genworth’s 2021 Cost of Care Survey. Local rates are $191 higher than the state median but $763 lower than the national average. Boston residents pay slightly more at $6,292. Home care prices in Springfield are $381 lower, while Cape Cod residents pay $953 per month more based on rates in Barnstable. Located in the Berkshires, Pittsfield offers below-average rates of $5,625.

Marlborough

$5,720

Massachusetts

$5,911

United States

$4,957

Springfield

$5,339

Boston

$6,292

Barnstable

$6,673

Pittsfield

$5,625

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

In-home care is just one option for Marlborough seniors to consider. Prices range from $5,720 to $5,911 per month for nonmedical and medical services, assuming that seniors require 44 hours of weekly care. Assisted living costs slightly less at $5,685, including meals, housing and personal care. Skilled nursing facilities cost $6,143 more than in-home assistance. On the other hand, adult day health care is the most affordable option at $1,842, but seniors must travel to a community-based center to receive these services, which may not be convenient or feasible for all residents.

Home Care

$5,720

Home Health Care

$5,911

Adult Day Health Care

$1,842

Assisted Living

$5,685

Nursing Home Care (semiprivate room)

$11,863

Note: Data for Marlborough was unavailable, so data for the nearest city, Worcester, was used instead.

Financial Assistance for Home Care in Marlborough, 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.

Free & Low-Cost Home Care Resources in Marlborough, MA

Seniors and families in Marlborough have access to an array of supportive services to help with in-home care, healthy aging and daily needs. The following organizations provide information, referrals and direct services, including assistance with utility bills, delivered meals and home repair grants.

ResourceContactService
BayPath Elder Services(508) 573-7200BayPath Elder Services is one of 24 Area Agencies on Aging serving seniors in designated communities statewide. Services for adults ages 60 and up include housing, in-home assistance, caregiver supports and financial counseling.
Springwell Home Delivered Meals(617) 926-4100Springwell provides home-delivered meals to seniors in Marlborough and surrounding communities. Meals are free, but clients are encouraged to make a $3 donation. This program serves residents aged 60 and older who have a physical impairment, cannot cook on their own or have difficulty reaching a community dining site.
Marlborough Community Development Authority(508) 624-6908Marlborough's CDA offers interest-free loans to help low-income homeowners pay for critical home repairs. Loans have a 50-year term with no minimum payments. Funds can be used for roofing, decking, bathrooms, kitchens and many high-priority projects. Applicants must be current on their taxes and home insurance to qualify.
Marlborough Housing Rehabilitation Program(508) 624-6908 then press #The MHRP provides interest-free, deferred-payment loans to help low- and moderate-income homeowners complete critical home repairs. Loans up to $35,000 can be used for roofing, plumbing, electrical, HVAC replacements and weatherization.
Marlborough Senior Center Outreach & Social Services(508) 485-6492, ext. 3210In addition to offering recreational activities for older adults, the Marlborough Senior Center provides outreach services to help residents access helpful services, such as bill-pay assistance, meals and volunteer transportation.
Massachusetts Home Energy Assistance Programs(617) 573-1100Massachusetts has three energy assistance programs for low- and moderate-income households. Seniors may be eligible for bill payment assistance through LIHEAP. WAP helps with home-efficiency updates, and HEARTWAP pays to repair or replace heating and cooling equipment.
South Middlesex Opportunity Council Marlborough Resource Center(508) 460-3758SMOC's multiservice Marlborough Resource Center provides information and referrals related to affordable housing, health care and community services. The center is open Monday through Friday. Although walk-ins are welcome, appointments are required for utility assistance.

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

Frequently Asked Questions

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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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