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

Results from the 2021 Genworth Cost of Care Survey reveal that Fenton’s average senior pays $5,148 per month for home care based on 44 hours worked per week. Although this is above the country’s average of $4,957, it’s below Michigan’s $5,529. Consequently, Fenton is more affordable than most cities in the state. A nearby exception is Saginaw where the average senior pays $4,195. However, comparisons with other cities in the region favor Fenton. Examples include Lansing’s monthly median of $5,625, Detroit’s $5,720 and Ann Arbor’s $6,101.

Fenton’s median home care fee of $5,148 makes it one of the costliest options for seniors. However, if they need home health care’s basic medical services from licensed professionals, they’ll pay another $95. If it’s nursing home care, a semiprivate room will add $3,247 to their monthly expenses. The most affordable option is adult day care, which could save $3,415 every month but will involve daily trips to and from the center. Assisted living’s median is more affordable than home care by $773 per month, but joining an institution isn’t for everyone.

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.