Merrimac, Massachusetts, is a small town with a population of around 6,700 residents. Of these, 23.8% are senior citizens — well above the national rate of 16.8%. Crime rates in Merrimac are lower than the national average and while the cost of living is higher, so are average household incomes. The Merrimack Valley Hospital in neighboring Haverhill and the Anna Jaques Hospital in Newburyport both offer easy and fast access to emergency care, primary care and many specialties. 

The 2021 Genworth Cost of Care Survey lists home care costs in Merrimac at $6,292 per month for personal care services. For additional light medical services, home health care is available.

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

Directory of Home Care Services in Merrimac, MA

2017, 2020, 2022, 2023

Right at Home Haverhill, MA

350 Main Street, Haverhill, MA, 01830

Albi is a great person she treats my mom well. She’s very caring and trust worthy . I trust her with my mom. Very rare to find someone that cares these days. And she speaks fluent English also
Albi is a great person she treats my mom well. She’s very caring and trust worthy . I trust her with my mom. Very rare to find someone that cares these days. And she speaks fluent English also

Home Instead – North Andover, MA

231 Sutton St, Suite 2H, North Andover, MA, 01845

My sister and I contacted Home Instead in North Andover at a difficult moment, when our father began to exhibit signs of serious mental decline that called for 24/7 assistance, when we each lived some … (read more)
My sister and I contacted Home Instead in North Andover at a difficult moment, when our father began to exhibit signs of serious mental decline that called for 24/7 assistance, when we each lived some … (read more)

Mature Caregivers – Waltham, MA

204 2nd Ave, Waltham, MA, 02451

Mature Caregivers provides reliable in-home personal and companionship eldercare. We listen to your needs and concerns and shape a solution! Our Care Coordinators will design a customized care plan to … (read more)
Mature Caregivers provides reliable in-home personal and companionship eldercare. We listen to your needs and concerns and shape a solution! Our Care Coordinators will design a customized care plan to … (read more)

Senior Helpers Boston North

153 Andover St, Suite 203, Danvers, MA, 01923

We have Senior Helpers Boston North for my mother. They offer light cleaning and companionship. They will come and cook her meal. They’re just there with her at night before she goes to bed to assist … (read more)
We have Senior Helpers Boston North for my mother. They offer light cleaning and companionship. They will come and cook her meal. They’re just there with her at night before she goes to bed to assist … (read more)

Perfect Care Match

638 Adamsville Road, Westport, MA, 02790

We Provide Stress-Free, Supportive Care Relationships. <p></p> Professional Care Match Provides CONSISTENCY with <p></p> Live-In and Hourly Caregivers <p></p> Caregiving Services Provided By < … (read more)
We Provide Stress-Free, Supportive Care Relationships. <p></p> Professional Care Match Provides CONSISTENCY with <p></p> Live-In and Hourly Caregivers <p></p> Caregiving Services Provided By < … (read more)

Senior Helpers – Lawrence, MA

60 Island St, Lawrence, MA, 01840

At Senior Helpers Lawrence, MA, our mission is to ensure a better quality of life for our elderly clients and their families by providing dependable and affordable care. We are a trusted and respected … (read more)
At Senior Helpers Lawrence, MA, our mission is to ensure a better quality of life for our elderly clients and their families by providing dependable and affordable care. We are a trusted and respected … (read more)

MAS Home Care of Massachusetts

338 Plantation Street, Worcester, MA, 01604

MAS Home Care provides dependable home care services to the elderly, chronically ill, and physically disabled throughout Maine, Massachusetts, New Hampshire, and Rhode Island. Our qualified care profe … (read more)
MAS Home Care provides dependable home care services to the elderly, chronically ill, and physically disabled throughout Maine, Massachusetts, New Hampshire, and Rhode Island. Our qualified care profe … (read more)

TheKey – Wellesley

60 Leo M. Birmingham Parkway, Suites 205 & 208, Boston, MA, 02135


Seniors Helping Seniors Merrimack Valley

5 Thomas Rd, Methuen, MA, 01844

Our in-home care services brighten the lives of seniors who can benefit from a helping hand and a friendly smile. Our caregivers, who are seniors themselves, make your life easier by providing compass … (read more)
Our in-home care services brighten the lives of seniors who can benefit from a helping hand and a friendly smile. Our caregivers, who are seniors themselves, make your life easier by providing compass … (read more)

BrightStar Care Danvers / North Shore

85 Constitution Lane, Suite 200F, Danvers, MA, 01923

I felt comfortable with the agent and my mom. They are reliable, consistent, and they follow through.
I felt comfortable with the agent and my mom. They are reliable, consistent, and they follow through.

Foundational Home Care

275 Grove Street, Suite 2-400 , Newton, MA, 02466

Foundational Health Home Care is an excellent agency, they assisted my Elderly Father until his recent passing. Their staff was always very caring and compassionate in attending to his needs. He alway … (read more)
Foundational Health Home Care is an excellent agency, they assisted my Elderly Father until his recent passing. Their staff was always very caring and compassionate in attending to his needs. He alway … (read more)

Help in Home

841 Main Street, West Newbury, MA, 01985

I chose them after speaking to the owner. He called me back right away and we spoke on the phone. He was actually the only person that called me back after I had reached out to them. Their care we’re … (read more)
I chose them after speaking to the owner. He called me back right away and we spoke on the phone. He was actually the only person that called me back after I had reached out to them. Their care we’re … (read more)

Truly Cherished Home Care LLC

305 Whiney St, suite G4, Leominster, MA, 01453

Truly Cherished was unbelievably helpful and kind when our family was in a time of need. My grandfather needed 24 hour assistance at home, especially when COVID restrictions would not allow family to … (read more)
Truly Cherished was unbelievably helpful and kind when our family was in a time of need. My grandfather needed 24 hour assistance at home, especially when COVID restrictions would not allow family to … (read more)

Associated Home Care, Inc.

495 Cabot Street, Beverly, MA, 01915

Associated Home Care is very good. They clean and take me grocery shopping. Each caregiver comes once a week, and each is very friendly and cooperative. I’m happy with the communication from the home … (read more)
Associated Home Care is very good. They clean and take me grocery shopping. Each caregiver comes once a week, and each is very friendly and cooperative. I’m happy with the communication from the home … (read more)

Plan B Home Care

100 Trade Center, Ste. G700, Woburn, MA, 01801

A friend recommended Plan B to me. We’ve been pleased with everything. Esther is good in checking and communicating with me. She’s on top of everything. My parents like their caregivers. They’re doing … (read more)
A friend recommended Plan B to me. We’ve been pleased with everything. Esther is good in checking and communicating with me. She’s on top of everything. My parents like their caregivers. They’re doing … (read more)

Comfort Keepers of the North Shore

129 Dodge Street, Suite One, Beverly, MA, 01915

Comfort Keepers was just fine. They helped my mother with the chores around the house and with the laundry. They showed up on time, called ahead, and managed appropriately.
Comfort Keepers was just fine. They helped my mother with the chores around the house and with the laundry. They showed up on time, called ahead, and managed appropriately.

Altranais Home Care

1501 Main St Suite 32, Tewksbury, MA, 01876

Worst company ever, not helpful. My husband and I lost all our hours thanks to them. Stay as far away from this compa y a’s possible. They don’t even answer calls or pays employees
Worst company ever, not helpful. My husband and I lost all our hours thanks to them. Stay as far away from this compa y a’s possible. They don’t even answer calls or pays employees

Bring Care Home

10 South Main Street, Suite 208, Topsfield, MA, 01833


Griswold Home Care

9 Bartlet St., Suite 143, Andover, MA, 01810


GIA Home Care Services LLC

316 MAIN ST Suite 500, Worcester, MA, 01608


Paying for Home Care in Merrimac, MA

The Cost of Home Care in Merrimac, MA

According to the 2021 Genworth Cost of Care Survey, Merrimac’s home care costs run higher than the national and Massachusetts state averages as well as similar costs in other Massachusetts cities. National average costs are over $1,300 lower, while state average costs are around $380 lower. Fall River to the south offers a cost savings of $572, as do Fitchburg and Southbridge, which are in the Worcester area. Westfield is less expensive, coming in at nearly $1,000 below Merrimac’s cost.

$6292

Merrimac

$5911

Massachusetts

$4957

The United States

$5720

Fitchburg

$5339

Westfield

$5720

Fall River

$5720

Southbridge

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

In Merrimac, seniors can expect to pay a bit less for home health care than they do for home care services. Home health care includes medical care such as vital signs monitoring and diabetes management as opposed to just help with daily living activities. Assisted living runs $527 higher than home care but does require a move, as does skilled nursing care for several thousand dollars more. Adult day programming is least expensive but does not provide as much care.

$6292

Home Care

$6244

Home Health Care

$1614

Adult Day Care

$6819

Assisted Living

$13155

Nursing Home Care (semiprivate room)

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

Financial Assistance for Home Care in Merrimac, 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.

Merrimac 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 Merrimac:

Massachusetts Home Care Program

Address: One Ashburton Place, 5 floor, Boston, MA 02108
Phone: (800) 243-4636

Through this state program, Merrimac seniors can receive in-home services. These can include assistance with activities of daily living such as eating and bathing, housekeeping and meal preparation. Seniors must be at least 60 years old, meet income requirements and pay monthly co-payments based on a sliding income scale.

Rebuilding Together Greater Haverhill

Address: 10 Phoenix Row, Haverhill, MA, 01832
Phone: (978) 469-0800

This nonprofit organization works with volunteers, including highly skilled carpenters, masons and electricians, to provide home improvements and repairs to the residences of low-income seniors, veterans and people with disabilities. Rehabilitation projects can improve home accessibility and energy efficiency. Seniors must call the office to request a mailed application. 

Elder Services of the Merrimack Valley Nutrition Services (Meals on Wheels)

Address: 280 Merrimack Street, Ste. 400, Lawrence, MA 01843
Phone: (800) 892-0890

A federally funded nutrition program, Meals on Wheels uses volunteers to deliver meals directly to homebound seniors and people with disabilities. These well-balanced meals can accommodate specialized, prescription diets. Meals are free with a $2.00 suggested donation, and adults must be at least 60 years old to qualify.

Senior Circuit Breaker Tax Credit

Address: 100 Cambridge Street, 2nd Floor, Boston, MA 02114
Phone: (800) 392-6089

Merrimac seniors may be eligible to receive a tax credit of up to $1,100 through their state income tax return. Credits are based on the property taxes of the rented or owned home serving as the senior’s primary residence. To qualify, seniors must be at least 65 years old and meet certain income criteria. Applications should be submitted as a Schedule CB completed with the senior’s personal tax return. 

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.

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.

Talking with family and others about a loved one's needs