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

Wakefield, Massachusetts, is a small town located on the outskirts of the greater Boston metropolitan area. Seniors make up 17.6% of the 27,000 residents living in Wakefield, a slightly higher percentage than the national average. Due in large part to proximity to Boston, the town boasts a thriving arts and culture scene. Both Massachusetts General and Brigham and Women’s are nationally ranked hospitals that boast geriatrics programs rated amongst the top 20 in the country.

According to the 2021 Genworth Cost of Care Survey, the city shares Boston’s average monthly home care cost of $6,292. Home care is distinct from home health care, which includes light medical services in addition to personal care.

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

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Paying for Home Care in Wakefield, MA

The Cost of Home Care in Wakefield, MA

Monthly home care costs in Wakefield are more expensive than the state or national averages. Residents pay $381 more per month than the state average and $1,335 more than the national average. Costs are also higher in Wakefield than in Worcester, located in central Massachusetts, and Springfield in the southern part of the state. Just across the border with Rhode Island, monthly home care costs in Providence are $572 less expensive than in Wakefield.

Wakefield

$6,292

Massachusetts

$5,911

The United States

$4,957

Worcester

$5,720

Springfield

$5,339

Providence

$5,720

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

Home health care costs, which include light medical services like administering medication or providing physical or occupational therapy, are less expensive on average than home care in Wakefield by about $50 monthly. The average costs of assisted living are $527 more per month than home care, and the cost of skilled nursing is also more expensive, by an average of an additional $6,863 per month. Adult day care costs are $4,678 less expensive per month than home care. 

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

Financial Assistance for Home Care in Wakefield, 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.

Wakefield 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 Wakefield:

ResourceContactAddressService
Elizabeth E. Boit Fund(781) 324-7705Mystic Valley Elder Services, 300 Commercial Street, #19, Malden, MA 02148The Elizabeth E. Boit Fund is a special program set aside for older adults living in the Wakefield area. Seniors who face an urgent need and meet certain eligibility requirements can reach out to see if the Elizabeth E. Boit fund may be able to provide emergency financial assistance. 
Wakefield Tax Exemption Program(781) 245-331230 Converse Street, Wakefield, MA 01880Residents of Wakefield over the age of 60 may be able to qualify for a special exemption of $750 on their real estate tax bills in exchange for 68 hours of community service to the Town of Wakefield. In order to be eligible for the program, residents must:
MassOptions(844) 422-62771 Ashburton Pl 11th floor, Boston, MA 02108MassOptions is a free resource for all Massachusetts residents. It can help seniors, caregivers and family members find services and assistance programs that help older adults live independently at home. Thanks to MassOptions, seniors can avoid the frustration of calling several agencies or researching online. 
Health Equipment Items for Loan(781) 245-3312Wakefield’s Council on Aging, 30 Converse Street, Wakefield, MA 01880Seniors who wish to remain in their home may occasionally suffer an occasional health setback and require certain helpful items during their recovery. The Wakefield Council on Aging has a number of health equipment items available to borrow for a long or short-term basis including: 
Transportation Services(781) 245-3312Wakefield’s Council on Aging, 30 Converse Street, Wakefield, MA   01880The Wakefield Council on Aging offers transportation services to senior residents to make it easier to attend medical appointments, run errands or even go to the hair salon. General transportation is available Monday through Thursday from 9 a.m. to 3:15 p.m. and Friday from 9 a.m. to 12 p.m. Trips to the senior center are free. Other trips require a small fee. Call the above number or check the website for more information about scheduling and payment. 

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 home care
Checklist for determining the need for 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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