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

Last Updated: June 5, 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 Wenham, MA, residents and their loved ones rate In Home Care agencies across the 27 options below.

Home Care Services in Wenham, Massachusetts

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On this page:

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

The Cost of Home Care in Wenham, MA

Home care costs in Wenham are slightly higher than the state’s median by $381. When compared with the state, Wenhand is more than $1,300 more expensive each month. Wenham’s home care costs are higher than other Massachusetts cities, including Worcester and Springfield. When compared with Barnstable Town, Wenhan is less expensive by $381 per month. 

Wenham

$6,292

Massachusetts

$5,911

The United States

$4,957

Springfield

$5,339

Worcester

$5,720

Barnstable Town

$6,673

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

Wenham’s monthly home care cost is slightly above the cost of home health care services by about $50, despite excluding light medical services. Assisted living costs are higher than those of home care by about $527. Residential nursing homes cost $6,800 more, but provide the highest level of care. As an alternative to full-time care or in-home care, seniors can access adult daycare at an average cost of $1,614 per month.

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: Cost data for Wenham was unavailable, so data for the nearest city, Boston, was used instead.

Financial Assistance for Home Care in Wenham, 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.

Wenham 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 Wenham:

ResourceContactAddressService
Low Income Weatherization Assistance Program (WAP)(617) 573-1100100 Cambridge St., Suite 300, Boston, MA 02114The Low Income Weatherization Assistance Program (WAP) helps seniors in Wenham prepare their homes for the winter with free home inspections and upgrades to their homes. WAP helps seniors reduce energy losses and improve their homes’ energy efficiency with new insulation and weather-resistant windows and doors. Seniors who apply for the program must meet residency requirements, as well as income and asset limits.
Home Modification Loan Program (HMLP)(617) 204-3600600 Washington St., Boston, MA 02111Seniors who own their homes in Wenham, but who need help bringing their property up to code or improving access and safety may be eligible for no-interest loans with assistance from the state’s Home Modification Loan Program (HMLP). To qualify for a 0% interest loan through one of the program’s participating lenders, seniors must meet income and asset restrictions and get work approved in advance.
Low-Income Home Energy Assistance Program (LIHEAP)(617) 573-1100100 Cambridge St., Suite 300, Boston, MA 02114Seniors in Wenham may be able to save up to 30% on their monthly energy bills by applying for the Low-Income Home Energy Assistance Program (LIHEAP), which is also known as the Fuel Assistance Program in Massachusetts. This program is open to Wenham residents who meet income and asset limitations, and who need assistance keeping their utility bills low. The program may also assist low-income seniors with a cash benefit to prevent electric or gas disconnections due to nonpayment.
Family Caregiver Support Program(617) 727-7750One Ashburton Pl., Floor 5, Boston, MA 02108Seniors aged 55 and over in Wenham can get assistance finding and paying for an in-home caregiver through the Family Caregiver Support Program. This program pays recipient-directed benefits to hire the caregiver of a senior’s choice, as well as training and support group assistance for enrolled caregivers. Seniors who are raising minor children in their families, such as grandchildren, can also apply to the program for help finding education, personal care and benefit support.
Neighbors in Need(978) 685-832160 Island St., Suite 214-East, MA 01840Seniors in Wenham can get free food and personal care items from one of the 13 food banks operated on the North Coast by Neighbors in Need. This local nonprofit serves over 750 families and low-income individuals in the region every week, as well as helping local seniors get personal hygiene and grooming supplies at no cost.

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

In Home Care near Wenham, 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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