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The 5 Best Home Care Agencies for Seniors in Holt, 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 Holt, MI, residents and their loved ones rate In Home Care agencies across the 8 options below.

Home Care Services in Holt, Michigan

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Paying for Home Care in Holt, MI

The Cost of Home Care in Holt, MI

Per Genworth’s 2021 Cost of Care Survey, home care in Holt costs an average of $5,625 per month. The Michigan average is $96 lower, at $5,529, and the national average is $668 lower, at $4,957. Seniors in Detroit pay an average of $5,720 per month, or $95 more than Holt’s seniors. However, other cities in the region are more affordable than Holt. For instance, Flint’s average cost is $5,148, while Battle Creek’s is $5,173. With an average cost of $5,529, Grand Rapids offers modest savings over Holt as well.

Holt

$5,625

Michigan

$5,529

United States

$4,957

Battle Creek

$5,173

Detroit

$5,720

Flint

$5,148

Grand Rapids

$5,529

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

In Holt’s nursing homes, semiprivate rooms cost $9,551 per month on average. Other options cost much less, including home care: Its average rate of $5,625 is $3,926 lower. Home health care shares home care’s average rate and fits seniors seeking professionals such as nurses and physical therapists. Assisted living’s average rate is $4,313. That figure is $1,312 lower than home care’s. Adult day health care is the cheapest option, costing an average of $2,427 monthly.

Home Care

$5,625

Home Health Care

$5,625

Adult Day Health Care

$2,427

Assisted Living

$4,313

Nursing Home Care (semiprivate room)

$9,551

Note: Data for Holt was unavailable, so data for the nearest city, Lansing, was used instead.

Financial Assistance for Home Care in Holt, 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 Holt, MI

Searching for senior care is often a complicated process, but there are resources available in Holt that can ease the situation. From information to direct aid, various supportive services come from the following entities. Contacting each will allow seniors and their family members to learn more.

ResourceContactService
Tri-County Office on Aging(517) 887-1440The TCOA is the Area Agency on Aging for Holt. Its Meals on Wheels program delivers food to nutrition-challenged seniors 60 years of age and up. The TCOA's other programs range from caregiver support and care coordination to nursing home transition assistance, which can help seniors move back home or to a less-intensive licensed care setting.
Habitat for Humanity Capital Region(517) 374-1313HFHCR runs a critical repair program that helps income-eligible clients whose homes' exteriors, doors, water heaters or furnaces need attention. Additionally, the organization builds ramps and has an initiative focused on veterans' housing.
Ingham County Department of Veterans Affairs(517) 887-4331The Ingham County DVA works with veterans, including seniors, to help them learn about benefits such as tax exemptions, pensions and compensation. Help with benefits applications is also available, as is emergency financial assistance for eligible veterans.
Capital Area Community Services(517) 482-6281CACS offers utility-assistance programs, including one that helps recipients cover water and sewer bills and restart service following a disconnection. Seniors, both homeowners and renters, can access free weatherization services from the organization, too. Income limits and other eligibility requirements may apply before receiving help from CACS.
Capital Area United Way(517) 203-5000CAUW runs a tax-preparation service that may help low-income seniors avoid fees and get their tax returns in order. The organization's main office number is listed here, but callers can also dial 2-1-1 to reach CAUW's information and assistance line, which can let seniors know about additional area services.

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 – 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.

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

Frequently Asked Questions

In Home Care near Holt, MI

MasonDimondaleLansingEast LansingOkemosIngham

Other Options in Holt, MI

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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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