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

Situated at the head of the Saginaw River, which flows into the southern end of Lake Huron, Saginaw, Michigan, offers its residents a waterfront lifestyle with plenty of opportunities for freshwater fishing and other outdoor recreation. With a cost of living that’s a little over 20% lower than the national average, Saginaw is appealing to retirees seeking an affordable retirement destination. Approximately 13.6% of Saginaw’s population of roughly 48,800 is aged 65 and over, which is less than the national average of about 17%. Residents rely on Covenant Health Care for primary care and travel to Detroit if they need advanced medical care. Seniors who use home care in Saginaw pay a monthly average of $4,195 per the 2021 Genworth Cost of Care Survey. Home care involves help with routine aspects of everyday life, such as straightening up the home interior, grocery shopping, meal preparation and assistance with bathing, dressing and other basic personal care activities. Those who need clinical services that can be administered in the home environment can hire a home health care provider.

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

Home Care Agencies in Saginaw, MI

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Paying for Home Care in Saginaw, MI

The Cost of Home Care in Saginaw, MI

At an average of $4,195 per month, home care costs in Saginaw are several hundred dollars lower than the nationwide average of $4,957 and nearly $1,500 lower than Michigan’s monthly average of $5,529. Within Michigan, costs are highest in Muskegon at $6,340 and decrease to $5,720 in the state’s largest metro, Detroit. Those in the state’s southwestern corner in Niles pay $5,339 per month for senior care, while residents of Ann Arbor average $6,101.

Saginaw

$4,195

Michigan

$5,529

The United States

$4,957

Muskegon

$6,340

Detroit

$5,720

Niles

$5,339

Ann Arbor

$6,101

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

Home health care costs are the same as home care costs in Saginaw, although the services differ in that home health care includes home-based medical care while home care involves nonmedical care. Adult day health care is the least expensive senior care option in Saginaw, at an average of $1,950 — but it’s not for everyone as it’s typically only available during business hours on Monday through Friday. Residents of assisted living facilities pay a monthly average of $4,225, while costs rise to $8,517 in nursing homes for shared accommodations. 

Home Care

$4,195

Home Health Care

$4,195

Adult Day Care

$1,950

Assisted Living

$4,225

Nursing Home Care (semiprivate room)

$8,517

Financial Assistance for Home Care in Saginaw, 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.

Saginaw 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 Saginaw:

ResourceContactAddressService
Great Lakes Bay Health Centers(989) 921-5372804 S. Hamilton St., Saginaw, MI 48602, United StatesGreat Lakes Bay Health Centers (previously called Health Delivery, Inc.) is a statewide network of health clinics with facilities also available in Saginaw. This organization charges for health services, but it provides quality primary care that’s either subsidized or even free to patients aged 65 and over, regardless of ability to pay or degree of insurance coverage. Elderly visitors are also eligible for the low-cost and free clinical services of Great Lakes Bay Health if they can show low-income qualifications.
Elder Law of Michigan(866) 400-91643815 W. St. Joseph, Suite C-200, Lansing, MI 48917Elder Law of Michigan is a nonprofit organization that offers legal advocacy, advice, referrals and direct, personalized counseling services to older individuals and their caregivers in Michigan. The organization focuses on pension counseling through its MAPRP program, benefits counseling via its MiCAFE program and general professional services. Elder Law of Michigan also works in conjunction with the Michigan Elder Justice Coordinating Council to help senior citizens fight elder abuse.
A&D Home Healthcare MI Choice Waiver Program(989) 249-09293150 Enterprise Dr., Saginaw, MI 48603The Mi Choice Waiver Program allows eligible senior residents of Saginaw to stay independent at home while receiving personal care and health services. These services encompass those covered by Michigan Medicaid, including adult day care, home care, home meal delivery, a personal emergency response system, private duty nursing, transportation and a number of other care options. Elders who enroll must be covered by or eligible for Medicaid.
Michigan Weatherization Assistance Program (MWAP)(586) 469-632921885 Dunham Road, Suite 10, Clinton Township, MI 48036The Michigan Weatherization Assistance Program is state and federally funded and administered by the Michigan Department of Human Services. The local chapter is run by the Saginaw County Community Action Center. These give preference to low-income senior residents and families with disabled members. Elders receiving Supplemental Security Income are automatically eligible to enroll. Single-person households must have an income of less than $25,760, and two-person households must earn less than $34,840. No-cost weatherization services include air sealing, insulation, furnace replacement and HVAC repair. Applicants can enroll whether they own or rent their 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.

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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