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The 10 Best Home Care Agencies for Seniors in Salisbury, MA for 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 Salisbury, MA, residents and their loved ones rate In Home Care agencies across the 25 options below.

Home Care Services in Salisbury, Massachusetts

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On this page:

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

The Cost of Home Care in Salisbury, MA

Seniors in Salisbury and nearby Boston pay $6,292 per month for home care services, which is almost $400 more than the statewide average. Taunton, to the south of Salisbury, has the same care cost as Worcester at $5,720 per month and about $500 less than home care in Salisbury. Springfield and Pittsfield, on the state’s southern border, have the region’s lowest home care averages of $5,339 and $5,625, respectively.

Salisbury

$6,292

Massachusetts

$5,911

The United States

$4,957

Taunton

$5,720

Worcester

$5,720

Springfield

$5,339

Pittsfield

$5,625

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

Home care costs in Salisbury are about $500 lower than assisted living costs and just slightly more than home health care services. Adult day care costs are significantly lower than all the other care options, although part-time care is offered outside of the home at a community center. Skilled nursing services that are provided in a nursing home setting are more than double the cost of home care services.

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

Financial Assistance for Home Care in Salisbury, 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.

Salisbury 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 Salisbury:

ResourceContactAddressService
Low Income Weatherization Assistance Program (WAP)(617) 573-1100100 Cambridge St., Suite 300, Boston, MA 02114Seniors who own a home in Salisbury can get help weatherizing their homes from the Low Income Weatherization Assistance Program (WAP). WAP services include a free home inspection and recommendations for improved energy efficiency. Upgrades the program pays for can include new insulation and weather-resistant windows and doors.
Home Modification Loan Program (HMLP)(617) 204-3600600 Washington St., Boston, MA 02111Seniors in Salisbury may be able to upgrade their homes for improved safety and accessibility through the Home Modification Loan Program (HMLP). HMLP is a state program that seniors in Essex County can apply for to get a 0% loan for approved repairs to their home’s structure, roof, flooring or kitchen and bathroom fixtures. Income and asset limits apply, as do residency requirements.
Low-Income Home Energy Assistance Program (LIHEAP)(617) 573-1100100 Cambridge St., Suite 300, Boston, MA 02114Seniors in Salisbury with limited incomes may be eligible for reduced monthly energy bills by signing up for the Low-Income Home Energy Assistance Program (LIHEAP), also known as the Fuel Assistance Program. LIHEAP is open to seniors in Salisbury who meet the program’s income and asset limitations, and eligible seniors may save up to 30% on their monthly utility costs.
Family Caregiver Support Program(617) 727-7750One Ashburton Pl., Floor 5, Boston, MA 02108Seniors aged 55 and over in Salisbury can get several different types of support to live independently in their homes from the Family Caregiver Support Program. The Family Caregiver Support Program is a recipient-directed benefit that can pay the cost of an in-home caregiver, as well as continuing training and support groups for designated caregivers. The program also helps seniors who are raising their grandchildren find resources to help with nutrition, education and both state and federal benefits.
Neighbors in Need(978) 685-832160 Island St., Suite 214-East, MA 01840Salisbury seniors can get the nutritional support they need to stay healthy, as well as several other essential items, from Essex County nonprofit Neighbors in Need. Neighbors in Need operates 13 food bank centers in the Essex County area, which are open to all residents, including seniors who need help buying or preparing their own food. The program also provides needed personal care supplies for seniors.

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 Salisbury, MA

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Other Options in Salisbury, 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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