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The 10 Best Home Care Agencies for Seniors in Bay City, MI for 2024

Located near Lake Huron’s Saginaw Bay, Bay City, MI, boasts a beautiful historic downtown and lovely natural vistas. Senior citizens make up 14.8% of the city’s population of around 32,400 people, a percentage that is somewhat below the national average of 16.8%. Health care is reasonably priced in Bay City, below the national average in fact, and the city is home to the McLaren Bay Region Hospital with its primary, preventative and specialty care options. The cost of living in Bay City is well below state and national averages, and housing is actually about a quarter of the national rate. The 2021 Genworth Cost of Care Survey shows that Bay City seniors can expect to pay $4,957 per month for home care, a figure that corresponds exactly with the national average. Home care allows seniors to get the support they need with daily living activities and housekeeping so that they can remain comfortably at home, while home health care services include home care and light medical attention by trained professionals.

Below we’ve compiled a comprehensive directory of every home care provider in Bay City– 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.

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Home Care Agencies in Bay City, MI

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Paying for Home Care in Bay City, MI

The Cost of Home Care in Bay City, MI

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

$4,957

Michigan

$5,529

United States

$4,957

Saginaw

$4,195

Midland

$5,148

Flint

$5,148

Lansing

$5,625

The Cost of Home Care vs. Other Senior Care Options in Bay City, MI

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.

Home Care

$4,957

Home Health Care

$4,957

Adult Day Health Care

$1,647

Assisted Living

$4,423

Nursing Home Facility (semiprivate room)

$9,125

Financial Assistance for Home Care in Bay City, MI

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.

Bay City 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 Bay City:

ResourceContactAddressService
Region VII Area Agency on Aging(989) 893-45061615 South Euclid Avenue, Bay City, MI 48706Area Agencies on Aging are regional government and nonprofit elderly support organizations that provide senior services within their coverage areas. The Region VII Area Agency on Aging covers Bay City and offers critical information services and referrals for other government programs in the area, mobility assistance programs, nutrition support options and respite care services. The Region 7 AAA also handles personal counseling and support group sessions for its elderly clients and their caregivers.
Home Delivered Meals – Bay County(989) 895-4100515 Center Ave #202, Bay City, MI 48708The Meals on Wheels program for Bay County is operated by the Bay County Department of Aging with the support of volunteers and government funds. Through this program, homebound seniors aged 60 or over can have hot lunches delivered to their homes once a day as long as they meet the eligibility criteria of being unable to prepare their own food or leave home to buy it. Minimum service duration is one week for seniors who apply, and meals are delivered at no cost. although donations are welcome.
Michigan Weatherization Assistance Program(989) 386-38051574 East Washington Road, Farwell, Michigan 48622Michigan’s weatherization assistance program is administered by the state and offered to eligible applicants through regional providers. It’s also funded federally and governed by federal criteria for who may apply. In Bay County, the Mid Michigan Community Action Agency offers home weather sealing, heating system replacement and other weatherization services to applicants. Preference is given to low income families and households with elderly individuals. Weatherization services are free of charge to those who successfully apply. Seniors receiving Supplemental Security Income payments are automatically eligible, while other applicants may apply if their income falls below certain amounts depending on household size. For single-person homes, annual income must not exceed $25,760.
Williams Township Hall Senior Dining Center(989) 662-46311080 W. Midland Rd, Auburn, MI 48611Located in nearby Auburn, Michigan in Bay County, the Williams Township Hall Senior Dining Center offers elderly visitors a place to enjoy a hot lunch, socialize and join in on group excursions and other activities. Senior visitors aged 60 or over are welcome to participate and may enjoy lunch in a group setting regardless of ability to pay.

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 – oftentimes 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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