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The 10 Best Home Care Agencies for Seniors in Arden Hills, MN 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 Arden Hills, MN, residents and their loved ones rate In Home Care agencies across the 28 options below.

Home Care Agencies in Arden Hills, MN

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Paying for Home Care in Arden Hills, MN

The Cost of Home Care in Arden Hills, MN

According to Genworth’s 2020 Cost of Care Survey, home care in Arden Hills costs $6,292 per month, which is $429 more than the Minnesota average of $5,863 and $1,811 more than the national median of $4,481. In Mankato, prices are more affordable at $5,720, while in Rochester, rates fall to $5,434. Seniors in far-north Duluth pay $5,840 per month, and St. Cloud has the lowest home care rates in the state at $5,262.

Arden Hills

$6,292

Minnesota

$5,863

United States

$4,481

Mankato

$5,720

Rochester

$5,434

Duluth

$5,840

St. Cloud

$5,262

The Cost of Home Care vs. Other Senior Care Options in Arden Hills, MN

Arden Hills seniors have other long-term care options available. For $6,483 or about $200 more than regular home care, home health care provides limited medical services in addition to personal care. The most affordable choice is adult day health care, which costs $1,863. Assisted living provides many of the same services as home care in a residential community setting at an average cost of $4,797. Nursing home care is for seniors who need 24-hour skilled services and supervision, so it’s the most expensive option at $11,285.

Home Care

$6,292

Home Health Care

$6,483

Adult Day Health

$1,863

Assisted Living

$4,797

Nursing Home Care (semiprivate room)

$11,285

Note: Data for Arden Hills was unavailable, so data for the nearest city, Minneapolis, was used instead.

Financial Assistance for Home Care in Arden Hills, MN

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 Arden Hills, MN

In Arden Hills, seniors can find a wide range of resources and programs designed to help them live at home for as long as possible. These include tax breaks, home modifications, help with paying bills and more.

ResourceContactService
Senior Chore Program(651) 486-3808Northeast Youth & Family Services provides free or low-cost chore assistance for Arden Hill residents aged 60 and older. Volunteers can assist with cleaning, laundry, snow removal, lawn mowing and other types of indoor and outdoor chores. Seniors may also request regular wellness checks by phone.
Property Tax Relief(800) 652-9094Minnesota offers property tax exemptions for homeowners, such as the homestead credit refund, which lowers what residents pay in taxes based on property value and household income. Minnesotans aged 65 and older may also be eligible for the Senior Citizen Property Tax Deferral Program. Under this program, property tax is capped at 3% of household income, and the state pays the rest as a loan which must be repaid when the property is sold.
Meals on Wheels(651) 266-4107Ramsey County residents who are elderly, disabled, homebound or unable to prepare food can request meal deliveries through this nonprofit organization. It offers menu options to suit a variety of dietary needs and restrictions, including vegetarian, gluten-free, diabetic-friendly and heart-healthy. Meals on Wheels also provides free transportation to doctor's appointments and other destinations in Arden Hills.
Age Well At Home(612) 588-3820Age Well At Home is a Habitat for Humanity program that provides free accessibility modifications for seniors in the Twin Cities area. Residents may be eligible to receive wheelchair ramps, guard rails, improved lighting and other additions to make their home safer and easier to navigate.
HeatShare(800) 842-7279Provided by the Salvation Army, HeatShare is a program that covers the cost of heating a home for low-income seniors and the disabled. It pays for electricity, propane, oil and natural gas. Seniors must be at risk of utility shut-off and have exhausted all other energy assistance funds to qualify.

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.

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Checklist for determining the need for in-home care
Checklist for determining the need for in-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.  

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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

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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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