A Loving Touch Homecare Service LLC
400 Renaissance Dr West Suite 2600, Detroit, MI, 48243
5.0
(4 reviews)
"Excellent care and Professional treat like family ..."
READ MORE400 Renaissance Dr West Suite 2600, Detroit, MI, 48243
5.0
(4 reviews)
"Excellent care and Professional treat like family ..."
READ MORE17515 W. Nine Mile Road, Suite 135, Southfield, MI, 48075
4.2
(6 reviews)
"Visiting Angels come in and take care of my home for me beautifully. I'm a perfectionist and they're doing a great job. The girl who comes in is very job oriented. She goes through the house and does a beautiful job.I'm very very happy with what they..."
READ MORE28200 W 7-Mile Rd, Livonia, MI, 48152
4.5
(2 reviews)
"My caregiver has become a huge help in my everyday life. She always arrives on time and performs her duties in a professional manner. She is mindful of my limitations and personal needs. Where the Heart Lives Home Care is always able to make schedule..."
READ MORE30701 W 10 Mile Suite 300, Farmington Hills, MI, 48336
4.0
(4 reviews)
"Senior Helpers was able to match us a caregiver in less than a week. The caregiver basically does everything and anything that is needed. She will do laundry, cooking, and companionship. She is a very caring and compassionate person. We're very satis..."
READ MORE. 6725 Daly RD, West Bloomfield, MI, 48322
4.0
(1 reviews)
"Patients 1st Home Care Services-West Bloomfield Township, MI is taking care of my wife. They assist her when going to the bathroom, and they also help bring in the food to her. They're very friendly. My wife likes the lady that they send. She's comfo..."
READ MORE16250 Northland Drive, Suite 241 , Southfield, MI, 48075
" Wings of Angel is a respected network of medical, Non-medical, private duty home care agency providing families with senior care, personal ..."
READ MORE102 Kercheval, Suite 100, Grosse Pointe, MI, 48236
"Making the decision to contact an in-home care services agency for a family member can be one of the hardest choices you can make. At Syner..."
READ MORE3011 W Grand Blvd,. Ste 414, Detroit, MI, 48202
"Addus is proud to be a nationally recognized provider of high quality, in-home care services with over 30 years experience. Our breadth of s..."
READ MORE22361 Starks Drive, Mount Clemens, MI, 48043
" Preferred Care at Home has serviced over 1,000 clients since it inception in 2010. Owned and operated by Firefighter/Paramedics, Preferre..."
READ MORE7206 West Lake Circle, Belleville, MI, 48111
"Reliance Home Care, LLC is a professional home care business that provides senior care in the Metropolitan area. We provide Al A Carte servi..."
READ MORE1050 W University Dr STE 1, Rochester Hills, MI, 48307
"Below is an updated list of all the insurance plans that Alpha Home Care, LLC. Accepts: Medicare Traditional BCBS Medicare Advantage ..."
READ MORE14402 Forrer St, Detroit, MI, 48227
23409 Jefferson Ave Ste 102, Saint Clair Shores, MI, 48080
"Able Hearts Care LLC is a team-oriented private duty home care agency servicing Metro-Detroit area, and the southeastern region of Michigan...."
READ MORE14821 Mettatal Street, Detroit, MI, 48227
28600 Southfield Rd, Lathrup Village, MI, 48076
3186 Mack Avenue, Flint, MI, 48506
8117 Harding, Center Line, MI, 48015
1420 Washington Blvd., Detroit, MI, 48226
According to the Genworth 2020 Cost of Care Survey, the median cost of home care across the state of Michigan is $4,576 per month. Seniors can prepare to pay more in Detroit where the average cost is $4,767. In Kalamazoo, home care costs the same as the national average of $4,481. However, Grand Rapids is one of the more expensive cities in the region for home care at $4,862. Saginaw residents pay $4,576.
Detroit
$4,767
Michigan
$4,576
United States
$4,481
Kalamazoo
$4,481
Grand Rapids
$4,862
Saginaw
$4,576
Long-term care can vary in cost from $1,733 a month for adult day health care to $8,821 per month for a semiprivate room in a nursing home. Assisted living communities in Detroit cost around $4,750, while seniors who prefer to age in place pay $4,767 for home care and $4,957 for home health care, which includes medical care.
Home Care
$4,767
Home Health Care
$4,957
Adult Day Health
$1,733
Assisted Living
$4,750
Nursing Home Care (semiprivate room)
$8,821
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.
Seniors who live on their own in Detroit may get help paying for bills or receive other forms of assistance through a wide range of programs and services. These are available through nonprofit and government agencies.
Resource | Contact | Service |
---|---|---|
Detroit Senior Solution | (313) 446-4444 | Detroit Senior Solution operates as the local Area Agency on Aging. This nonprofit provides health, nutrition and wellness programs and promotes independence for seniors who live in the city. The agency also provides Medicare and Medicaid counseling to help seniors make informed choices regarding their insurance. |
The Senior Alliance | (800) 815-1112 | The Senior Alliance connects seniors and their caregivers in Wayne and surrounding counties with programs and services to improve their quality of life. This includes Meals on Wheels, transportation, in-home care, adult day health care and community living support. |
Program of All-Inclusive Care for the Elderly (PACE) | (855) 445-4554 | PACE is a program that helps seniors remain in their homes and within the community for as long as possible. PACE offers medical and day center transportation, personal care, meals, home chore services, health education, nutritional counseling and medical equipment. |
Michigan Weatherization Assistance Program (WAP) | (515) 373-8896 | WAP is a federally funded program for seniors aged 60 and older to help make their homes energy-efficient. The program provides home inspections to test for leaks and the safety and efficiency of all appliances. Through the program, seniors may have help with repairs or the replacement of heating and air conditioning units. It also assists with the installation of insulation. |
Michigan Energy Assistance Program (MEAP) | (517) 636-4486 | MEAP helps low-income seniors and families pay their energy bills. Payments are made possible through the State Emergency Relief Program (SER) and are available year-round. Payments are made directly to the utility department in a one-time lump sum that typically covers the cost of energy usage for a single season. |
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.
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.