The Best Home Care Agencies for Seniors in Springfield, MA for 2025

According to the 2021 Genworth Cost of Care Survey, Springfield has the lowest prices for senior home care services in Massachusetts. The average cost in Springfield is $5,339 per month versus the Massachusetts state average of $5,911. However, this cost is still $382 higher than the national average. Just over the Connecticut state line, Hartford has a nearly identical price for senior home care. Prices increase towards the Atlantic coast, with Boston and Barnstable being $953-$1,334 more expensive.

Senior citizens of Springfield have a robust network of senior support. The estimated price for home care is $5,339. For $190 more per month, seniors can choose home health care, which offers medical help such as IV medication. When living at home is no longer possible, assisted living facilities are available at a cost of $291 less than home care. Seniors requiring strong medical support should consider a nursing home, though the price is double the cost of staying at home. Adult day care outside of the home remains the most affordable option in Springfield.

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.