Seniors aged 65 and older account for roughly 17.2% of Michigan’s nearly 10 million residents. The Department of Health and Human Services’ Aging and Adult Services Agency plans and implements an array of programs and resources aimed at helping Michigan’s approximately 1.7 million seniors thrive. Residents of the Great Lakes State who wish age in place at home can expect to pay $4,385 per month for in-home care services, which is less than $100 more than the median monthly rate paid nationally.

This guide provides details about the cost of home care in Michigan and various options to help pay for assistance, along with free and low-cost resources that may benefit seniors who want to age in place in their own home.

The Cost of In-Home Care in Michigan

In-Home Care Costs in Nearby States

According to data from the Genworth Cost of Care Survey 2019, in-home care in Michigan costs an average of $4,385 per month. This is just $95 more than the national monthly average of $4,290, and it is also the average amount paid per month in neighboring Ohio. Costs are higher in the adjacent states of Illinois and Wisconsin, where the monthly averages are $4,481 and $4,767, respectively. The cost in Indiana falls in between the national and Michigan averages, at $4,334 per month.

$4385

Michigan

$4290

United States Average

$4767

Wisconsin

$4481

Illinois

$4334

Indiana

$4290

Ohio

Cost of Other Types of Care in Michigan

Home care in Michigan has a midrange cost in comparison to other types of care available in the state. It is fairly close in cost to home health care services, which average about $100 more per month, at $4,481. Residential assisted living is somewhat less costly than care services provided in a senior’s own home, at an average of $4,000 per month. Adult day care is much more affordable in comparison, at $1,685 per month, whereas nursing home care is almost double the monthly cost, at an average of $8,373.

$4385

In-Home Care

$4481

Home Health Care

$1685

Adult Day Care

$4000

Assisted Living Facility

$8373

Nursing Home Care

The Cost of In-Home Care in Michigan’s Top Cities

Comparing Costs Across Michigan

Comparing the average monthly costs of in-home care in Michigan’s most populous cities reveals significant differences and surprising similarities within the state. Seniors in Grand Rapids pay an average monthly rate of $4,957, while those in Ann Arbor pay just $3,527 per month, which is a dramatic $1,430 price variance. Costs in other cities are much more consistent. In-home care in the capital city of Lansing averages $4,576 per month, and it costs about $50 more in Flint, at $4,624. The monthly median price in the state’s largest city, Detroit, is $4,671, which is an increase of only $50.

$4671

Detroit

$4957

Grand Rapids

$3527

Ann Arbor

$4576

Lansing

$4624

Flint

Financial Assistance for In-Home Care in Michigan

Michigan Medicaid Home Help Program

The Michigan Medicaid Home Help Program is available to seniors who need daily assistance to remain in their own home and avoid being admitted to a nursing facility. Those who qualify may receive support and assistance with activities of daily living, including bathing, dressing, toileting, mobility and eating. Help may also be provided with general household and laundry chores, meal preparation, taking medications and shopping for essentials.

Who Is Eligible?
Home Help is a Michigan Medicaid entitlement program. State residents who meet Medicaid’s financial guidelines and are assessed as needing help with at least one ADL are automatically eligible for assistance through this program.

How to Apply
Interested individuals may contact the Michigan Department of Health and Human Services office in their county to apply for Medicaid coverage and schedule a functional assessment for the Home Help Program.

Michigan Medicaid MI Choice Waiver

The MI Choice Waiver Program offers assistance for seniors who need help on a daily basis but want to avoid nursing home admission. Those who qualify can continue to live at home and, based on an assessment of their needs, receive case management, homemaker and personal care services, home and vehicle modifications, a personal emergency response system, medical and nonmedical transportation and various other benefits.

Who Is Eligible?
To be eligible for the MI Choice waiver, Michigan residents must be aged 65 or older and meet the Medicaid program’s financial qualification guidelines. They must also be assessed as needing a nursing home level of care and at least two waiver-covered services on a monthly basis.

How to Apply
To apply for the MI Choice program, seniors may contact their local Area Agency on Aging.

Michigan Health Link Program

Seniors who are enrolled in Medicare and eligible for Michigan Medicaid may qualify for in-home care through the Health Link Program. This managed care program combines the services of Medicare, Michigan Medicaid and one of seven integrated care organizations to provide comprehensive health care and support services. Enrollees receive full medical benefits, along with care coordination, home health and personal care, chores services, necessary home modifications, meal delivery, transportation and numerous other benefits.

Who Is Eligible?
Michigan residents must be enrolled in Medicare and eligible for Medicaid to qualify for the Health Link Program. An assessment must be completed to determine the level of care an applicant needs. Those who need a nursing home level of care may qualify for the Expanded Community Living Supports waiver, in addition to the program’s personal care services.

How to Apply
Interested Medicare beneficiaries should contact their county MDHHS office to apply for Medicaid and the Health Link Program.

Program of All-Inclusive Care for the Elderly

Seniors who wish to age in place in their own home but need help to do so may qualify for Michigan’s Program of All-Inclusive Care for the Elderly. There are 20 PACE organizations throughout the state that provide comprehensive care for eligible individuals, which includes case management, medical services through Medicaid and/or Medicare and an array of supportive services, both in-home and at dedicated PACE centers.

Who Is Eligible?
Michigan residents must be aged 55 or older and meet Medicaid’s financial criteria to enroll in a PACE program. They must also be assessed as needing a nursing home level of care, be able to safely live at home and reside within a PACE provider’s service area based on their zip code.

How to Apply
To learn more about the program and how to apply, interested individuals may call 989-798-2994 or contact the PACE provider serving their local area.

More Ways to Pay for In-Home Care

While the above programs help many people finance in-home care, they will not cover all costs for everyone. There are other ways to pay for in-home care, including out-of-pocket arrangements with siblings, annuities, reverse mortgages, private insurance, and more. Read Caring.com’s Guide to In-Home Care Costs to learn more about these alternative payment options.

Free and Low-Cost In-Home Care Resources in Michigan

Michigan seniors who want to retain their independence and age in place at home can take advantage of various free or low-cost resources that may help. These may include home-delivered meals, assistance accessing local independent living services, legal advice and various other beneficial resources.

ContactServices Provided
Home-Delivered MealsContact your Area Agency on AgingMichigan’s home-delivered meals program provides healthy prepared meals to frail or disabled adults aged 60 and older. There is no cost for this service, but donations are accepted.
Independent Living ServicesContact the Adult Services unit at your local county MDHHS office.Seniors who are ineligible for Medicaid and need in-home assistance may receive help with information and referrals for community, housing and money management resources.
Michigan’s Coordinated Access to Food for the Elderly877-664-2233The MiCAFE Network assists seniors with applying and recertifying for SNAP benefits to ensure they can access fresh, nutritious food. The program also assists with applications for available medical and housing-related benefits.
Legal AssistanceCall 517-373-8230 or contact your Area Agency on AgingResidents aged 60 and over with limited incomes may be eligible for no-cost legal assistance for civil issues. Services may include advice and counsel, preparation of documents and legal representation.
Family Caregiver AssistanceContact your local Area Agency on Aging or call 800-677-1116Michigan’s AAAs offer various low-cost and free programs aimed at helping family caregivers of seniors, which may include counseling, support groups, training and respite care assistance.
Senior Companion ProgramLocate program services in your countyThis program matches seniors living on their own with volunteers aged 55 and over, who provide companionship and help with daily activities, such as shopping and paying bills.
Senior Project FRESH/Market FRESHContact the agency serving your countyThe SPF/MF program provides eligible seniors aged 60 and over with nutrition counseling and coupons to exchange for fresh produce and healthy foods at participating farmers’ markets and roadside stands in their area.

In-Home Care Laws and Regulations in Michigan

The state of Michigan has strict regulations and licensing requirements for home health agencies that provide medical services, including skilled nursing and rehabilitative therapy. Licensing is not required for home care providers who offer nonmedical services to private-pay clients. There are limited guidelines in place for providers who offer in-home personal care services to seniors enrolled in Michigan Medicaid programs. The following table provides an overview of the guidelines for nonmedical home care providers in Michigan.

Scope of CareHome care providers of nonmedical services can offer clients companionship, provide personal care and complete various tasks, such as meal preparation, housekeeping and laundry, as well as accompany clients to appointments and when shopping or running errands.
Care Plan RequirementsNonmedical home care providers are not required to develop care plans for clients. However, a senior may request a written agreement that describes the services caregivers will provide and how often, along with the cost.
Medication Management RequirementsOnly nurses and certified medication aides employed by licensed home health agencies are authorized to administer medications. Caregivers working for nonmedical providers may only assist seniors with self-administration and provide reminders about taking medications.
Staff Screening RequirementsStaff of nonmedical providers who offer in-home care services to Medicaid program beneficiaries must submit to a criminal background check and a face-to-face interview.
Staff Training RequirementsThere are no state-mandated training requirements for staff of nonmedical home care providers. Those who provide services to seniors through Michigan Medicaid programs must be willing to complete any training programs required by MDHHS.
Medicaid CoverageMichigan Medicaid provides in-home care services through one of several programs. Seniors may be eligible for assistance through Home Help, the Health Link or PACE program or the MI Choice waiver.
Reporting AbuseConcerns about abuse, exploitation or neglect of a Michigan senior, aged 60 or older, can be reported to Adult Protective Services by calling the agency’s 24-hour hotline at 855-444-3911.

Frequently Asked Questions

Does Michigan Medicaid Pay for In-Home Care?

Michigan Medicaid provides in-home care through entitlement and waiver programs. Seniors may apply for assistance through the Home Help, Health Link or PACE program or the MI Choice waiver. Participation in the MI Choice program is capped, and applicants may be placed on a waiting list.

How Much Does In-Home Care Cost in Michigan?

In-home care in Michigan costs an average of $4,385 per month, according to the Genworth Cost of Care Survey 2019. This is approximately $100 more than the national average, and roughly $100 less than the cost of home health care, which provides skilled nursing services.

Are There Programs to Cover Home Modifications in Michigan?

Financial assistance is available to help eligible seniors pay for necessary home accessibility and safety modifications through Michigan Medicaid’s MI Choice waiver and Health Link program. Applicants must meet Medicaid’s eligibility guidelines to qualify, and they can receive many other benefits once approved.

Does Medicare Pay for In-Home Care?

Medicare only pays for certain types of in-home care for beneficiaries who are under a physician’s care and recovering from an injury, illness, surgery or hospital stay. Services Medicare covers in-home typically include a certain number of skilled nursing, home health aide or physical/occupational therapy visits.

What Does It Mean to Age in Place?

Aging in place is an individual’s ability to retain their independence by continuing to live at home. Doing so may require hiring outside help for personal care and activities of daily living, using assistive technologies and/or making safety and accessibility modifications to the home.

Home Care Services in Michigan (454)