The 10 Best Home Care Agencies for Seniors in Bay City, MI for 2025

Home care costs in Bay City, MI, as listed in the 2021 Genworth Cost of Care Survey, are comparable to the national average but well below the Michigan state average, by over $500 in fact. While nearly $800 higher than costs in Saginaw just to the south, Bay City’s home care rates are lower than those of Midland to the west and Flint to the south by almost $200. Lansing to the southwest offers significantly higher home care prices, running over $600 more than those of Bay City.

Bay City offers a number of care options for seniors. Home care is significantly less expensive than skilled nursing care by over $4,000, but seniors who need significant medical aid may have to choose the latter. Assisted living runs $534 less per month than home care, and home health care — which provides medical services such as health monitoring and diabetes management — is equivalent in price. Adult day programs offer a less expensive alternative but may not give the level of support needed by some seniors.

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.