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The 10 Best Home Care Agencies for Seniors in Bloomfield Hills, MI 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 Bloomfield Hills, MI, residents and their loved ones rate In Home Care agencies 4.71 out of 5 stars across the 74 options below.

Home Care Agencies in Bloomfield Hills, MI

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Paying for Home Care in Bloomfield Hills, MI

The Cost of Home Care in Bloomfield Hills, MI

The average cost of home care in Bloomfield Hills is $5,720 per month, according to the 2021 Genworth Cost of Care Survey. This is more than the state’s monthly average of $5,529 and the national average of $4,957. Compared to other cities in the state, home care in Kalamazoo is the same cost as home care in Bloomfield Hills. Both Lansing and Monroe seniors pay less at $5,625 and $5,339.

Bloomfield Hills

$5,720

Michigan

$5,529

The United States

$4,957

Lansing

$5,625

Monroe

$5,339

Kalamazoo

$5,720

The Cost of Home Care vs. Other Senior Care Options in Bloomfield Hills, MI

Long-term care costs in Bloomfield Hills vary depending on the type of care an individual is looking for. Home care and home health both cost around $5,720 per month. Assisted living facilities in the state care cost less than home care at $4,215. For assistance just during the day, adult day health averages $1,430 per month and a semiprivate room in a nursing home costs around $8,882.

Home Care

$5,720

Home Health Care

$5,720

Adult Day Health Care

$1,430

Assisted Living

$4,215

Nursing Home Care (semi-private room)

$8,882

Note: Data for Bloomfield Hills was unavailable, so data for the nearest city, Detroit, was used instead.

Financial Assistance for Home Care in Bloomfield Hills, 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.

Free & Low-Cost Home Care Resources in Bloomfield Hills, MI

Bloomfield Hills has programs and services that address the needs of seniors in the community. These resources range from home modifications to nutrition management and can make it easier for seniors to remain in their homes for as long as possible.

ResourceContactService
CDBG Home Repair Program(248) 723-3500The CDBG home repair program is a federally funded program that helps seniors make needed updates on their homes. These repairs help address health and safety hazards. They can even make the home more energy efficient, including repairing stairs, patching or replacing roofs and installing home modifications, including wheelchair ramps.
Michigan Low-Income Home Energy Assistance Program (LIHEAP)(248) 975-4800LIHEAP was initiated to help seniors and families on limited incomes pay for past-due energy bills. The program makes payments directly to the utility company, and an individual must be behind on their bill or currently disconnected.
Bloomfield Hills Meals on Wheels(248) 723-3500The Bloomfield Hills Meals on Wheels program provides daily hot meals, companionship and welfare checks on homebound seniors and individuals in the community. To qualify, seniors must have a medical reason that keeps them homebound.
Bloomfield Hills Homestead Exemption(248) 433-7700The Bloomfield Hills homestead exemption program helps lower the tax obligation of seniors in the area. To qualify, seniors must live in the home they are applying for the exemption under.
JARC(248) 940-2617JARC is a nonprofit organization that serves seniors and individuals with disabilities through independent living support and home respite. The respite service helps family members and caregivers receive support and breaks while caring for a loved one at home.

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.

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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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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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