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The 10 Best Home Care Agencies for Seniors in Southfield, 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 Southfield, MI, residents and their loved ones rate In Home Care agencies 4.45 out of 5 stars across the 86 options below.

Home Care Agencies in Southfield, MI

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Paying for Home Care in Southfield, MI

The Cost of Home Care in Southfield, MI

Long-term care cost data isn’t available for Southfield, but based on rates in the Detroit area, home care rates are estimated at $5,720 monthly. This is about $200 higher than Michigan’s average cost and over $760 higher than the national norm. Southfield rates are affordable compared to care costs in Ann Arbor, which run about $380 more. In Monroe, care costs about $400 less than in Southfield, and in Flint, rates are over $500 lower than Southfield. In Jackson, home care costs are in line with the national average, making it the most affordable in southeast Michigan. 

Southfield

$5,720

Michigan

$5,529

The United States

$4,957

Flint

$5,148

Monroe

$5,339

Ann Arbor

$6,101

Jackson

$4,957

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

In Southfield, home care agencies charge $5,720 for nonmedical services such as light house cleaning, laundry, personal care and meal preparation. Home health care has the same average monthly rate but includes additional skilled nursing services such as medication administration and physical and occupational therapies. Adult day health care costs are nearly $4,300 less expensive than home care, and assisted living is about $1,500 less. Nursing home care costs are considerably higher given the specialized care provided.

Home Care

$5,720

Home Health Care

$5,720

Adult Day Health Care

$1,430

Assisted Living

$4,215

Nursing Home Care (semiprivate room)

$8,882

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

Financial Assistance for Home Care in Southfield, 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.

Southfield 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 Southfield:

ResourceContactAddressService
Southfield Senior Services office(248) 796-465026000 Evergreen Road, Southfield, Michigan, 48076The Southfield Senior Services office, which is managed by the city government, offers elderly residents of Southfield services that include scheduled local transportation for local medical trips and grocery shopping. The CHORE program, which is open to residents of Southfield aged 62 or older who meet federal low income guidelines, offers help with household chores, yard work and minor home maintenance. The Senior Services office also offers referrals and counseling on Medicare and Medicaid benefits.
Area Agency on Aging 1-B(800) 852-779529100 Northwestern Hwy, Ste. 400, Southfield, MI 48034The Area Agency on Aging 1-B delivers information and referrals to seniors seeking access to government benefits programs, health insurance support and Medicare planning. It also administers Meals on Wheels, community lunches for seniors and transportation services. The AAA 1-B’s in-home care options may include direct financial support to seniors who are income-eligible and reside in the agency’s jurisdiction.
Elder Law of Michigan (866) 400-91643815 W. St. Joseph, Suite C-200, Lansing, MI 48917This nonprofit organization offers legal support, advocacy, free information and one-on-one legal counseling to both seniors and their caregivers throughout Michigan. It counsels seniors on benefits rights through its MiCAFE program and pension rights through its MAPRP program. Elder Law of Michigan partners with the Michigan Elder Justice Coordinating Council to help seniors fight abuse based on their age or social status.
Michigan Weatherization Assistance Program (MWAP)(248) 479-6516196 Cesar E. Chavez Avenue, P.O. Box 430598, Pontiac, MI 48343-0598The federally and state-funded Michigan Weatherization Assistance Program is administered by the Michigan Department of Health and Human Services and delivered regionally by local community services agencies and partner companies. In Oakland County, it’s available through the Oakland Livingston Human Service Agency to eligible seniors or low-income families who make less than $25,760 as single-person homes or $34,840 as two-person households. Seniors receiving Supplemental  Security Income are automatically eligible. Professional contractors provide free weatherization services to insulate rented or owned homes against weather extremes.

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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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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