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

Located on the coast of Massachusetts, Rowley has a relatively large senior population that accounts for 18.2% of the town’s 6,131 residents. Due to its low population density and preservation of open spaces, Rowley may appeal to seniors who enjoy more rural areas. In nearby Newburyport, there’s Anna Jaques Hospital. Beverly Hospital to the south oversees a variety of senior care services, plus an emergency medicine program.

For home care in Rowley, the average recipient pays $6,292 per month, according to the 2021 Genworth Cost of Care Survey. In exchange, they receive companionship and help with daily tasks. Those in need of medical assistance will likely want to investigate home health care as an option.

Below we’ve compiled a comprehensive directory of every home care provider in Rowley– 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 Rowley, MA

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Paying for Home Care in Rowley, MA

The Cost of Home Care in Rowley, MA

Because of its proximity to Boston, the two cities share care costs. Rowley’s average home care costs are higher than the Massachusetts statewide average of $5,911 reported in the Genworth Cost of Care Survey, which itself is higher than the corresponding national figure of $4,957.  To Rowley’s southeast, the town of Barnstable represents a pricier option at $6,673. In central Massachusetts, Worcester’s average home care rate is $572 below that of Rowley. Prices fall even more to the west, where Pittsfield and Springfield feature lower costs at $5,625 and $5,339, respectively.

Rowley

$6,292

Massachusetts

$5,911

The United States

$4,957

Barnstable

$6,673

Worcester

$5,720

Springfield

$5,339

Pittsfield

$5,625

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

One alternative to home care is home health care, which involves light medical services delivered by registered nurses and other professionals. In Rowley’s case, home health care is slightly less expensive than home care. At $6,819, assisted living is several hundred dollars pricier than both in-home options; at $13,155, nursing home care is more than double the cost. Adult day health care, which costs $1,614, is more affordable than other senior care options, though it requires daily transportation to a care site.

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

Financial Assistance for Home Care in Rowley, 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.

Rowley 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 Rowley:

ResourceContactAddressService
Rowley Council on Aging(978) 948-763739 Central Street, Rowley, MA 01969The Council on Aging in Rowley offers numerous programs to improve the lives of city seniors. For example, the Meals on Wheels Program offers well-balanced meals to seniors living at home and unable to cook for themselves. The COA Financial Resource Program helps older adults continue to live at home. Seniors 60 and older receive financial education and counseling and referrals to available assistance programs. 
Community Action(978) 373-19713 Washington Square, 2nd Floor, Haverhill, MA 01830Seniors can receive assistance for heating and heating systems based on household size and income. This program is administered locally and the site has three locations where seniors can fill out applications. Financial guidelines for eligibility are based on the average income in the state, found here.
Action, Inc.(978) 283-7874180 Main Street, Gloucester, MA 01930This Gloucester-based organization serves Rowley and all of Essex County, as well as several other counties. It provides financial assistance to low-income seniors struggling to pay their winter fuel bill. The program also has limited resources to help seniors living at home upgrade or replace heating systems in older homes. Weatherization assistance saves seniors money on heating and cooling all year long. 
Homestead Exemptions for Property Tax(978) 557-1900Northern Essex Registry of Deeds, 354 Merrimack Street Suite 304 (C), Lawrence, MA 01843In Rowley and the rest of the state, seniors may be eligible for Homestead Exemptions that save them money on property taxes. The state exempts $125,000 to $500,000 of the taxable home value for eligible seniors. Seniors who currently live in and own the homestead property can work with their local municipality to apply for the exemption.

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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