The 5 Best In Home Care Service in Red Wing, MN for 2023
Red Wing is a charming town situated along the Mississippi River and surrounded by beautiful scenery. According to the 2020 U.S. Census, 20.8% of the city’s approximately 16,500 residents are aged 65 and older, which is a significantly higher population of seniors than the U.S. average of 16.5%. This may be due to Red Wing’s low cost of living, clean air and low rates of violent crime. Seniors here have access to the Mayo Clinic Health System, one of the most respected health care networks in the country. Home care agencies are also available to provide nonmedical care to local seniors at an average cost of $5,434 per month. Those who require some medical services can opt for home health care instead.
Below we’ve compiled a comprehensive directory of every home care provider in the Red Wing area – 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.
Directory of Home Care Services in Red Wing, MN
Home Instead – Rochester, MN
304 6th St SW, Rochester, MN, 55902
SYNERGY HomeCare of Minneapolis
2336 Lexington Ave N, Suite LL, Roseville, MN, 55113
Matrix Home Health Care Specialist
7550 France Avenue S, Suite 210, Edina, MN, 55435
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Paying for Home Care in Red Wing, MN
The Cost of Home Care in Red Wing, MN
In Red Wing, home care services cost $5,434 per month, which is about $400 lower than the Minnesota median of $5,863, but almost $1,000 higher than the $4,481 nationwide average. Compared to nearby cities in the state, costs are midrange in Red Wing. Home care rates in Minneapolis are considerably more expensive at $6,292. In Mankato, seniors pay almost $300 more at $5,720. However, the average cost in St. Cloud is about $170 less at $5,262 per month.
Note: Data for Red Wing was unavailable, so data for the nearest city, Rochester, was used instead.
The Cost of Home Care vs. Other Senior Care Options in Red Wing, MN
Red Wing seniors pay $5,434 for home care, while home health care averages $6,101 per month due to the limited medical services provided by medical professionals, such as registered nurses and therapists. Assisted living facilities charge $3,105, and nursing homes provide the most expensive type of care at an average cost of $9,730. Local adult day health care data isn’t available, but it’s likely the least-expensive option, based on the statewide average cost of $1,979.
Financial Assistance for Home Care in Red Wing, 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 Red Wing, MN
The following resources in Red Wing offer programs and services to improve the lives of seniors who need home care. Programs cover everything from support groups and wellness monitoring to home weatherization assistance and caregiver respite.
Resource
Contact
Service
(651) 327-2255
Pier 55 is a senior community center that hosts a wide range of events, including parties, musical performances and excursions to popular regional destinations. Pier 55 also hosts support groups, tech classes, and health and wellness services. There are many regularly scheduled activities at the center, such as games, crafting classes and hobby groups, and it also offers a medical equipment lending program.
(507) 316-0610
Three Rivers Community Action operates the Home Weatherization Program, which can help seniors in Red Wing improve the comfort and energy efficiency of their homes. Work is provided at no cost to homeowners, and those aged 60 and older who have high heating bills are prioritized. The agency also administers the Energy Assistance Program, which can help income-eligible seniors with their heating bills and may cover heating system repairs or replacements.
(651) 327-2400
Faith in Action is a nonprofit organization that helps Red Wing seniors by providing useful services, including local transportation, friendly visiting and recovery support. Family caregivers who need a break from their duties can contact Faith in Action to receive respite assistance, and they can also participate in monthly support group meetings.
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.
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.
Frequently Asked Questions
What types of services can a home care agency in Red Wing provide?
Home care agencies in Red Wing help seniors with daily living activities that they’re no longer able to perform themselves. This can range from performing light housekeeping and laundry chores to providing help with bathing, dressing and grooming. Home health care agencies also provide some medical services, such as wound dressing and vital sign monitoring, which is why their services cost more than regular in-home care.
What is the average cost for in-home elderly care in Red Wing?
According to Genworth Financial’s Cost of Care Survey, the median price for in-home elderly care in Red Wing is $5,434 per month. This figure is based on 44 hours of caregiver services per week, so the amount can vary depending on a senior’s care needs. The hourly rate for in-home care in Red Wing is $28.50, while the rate for home health care services is $32.
How do you pay for senior care at home?
Families who plan ahead have many options when it comes to paying for in-home care, including long-term care insurance, retirement benefits and traditional savings accounts and investments. Senior homeowners may be able to take out a reverse mortgage to pay for home care if they have enough equity in their properties. Low-income seniors may qualify for Medicaid, which offers waivers that can help pay for care. Social Security and VA pensions are other possible funding sources.
Can you write off in-home elderly care?
According to guidelines published by the IRS, in-home care expenses can be used as a deduction for income tax purposes if the services provided are medical in nature. Some examples are wound care and medication administration. Housekeeping, personal care and other nonmedical services generally can’t be written off. Minnesota tax law also allows for deductions for medical expenses, which can include some home health care services.
What is private pay home care in Red Wing?
Private pay is when a senior pays for home care or home health care services out of their own pocket instead of through public benefits such as Medicaid or long-term care insurance. Some forms of assistance may not cover the cost of all the services provided, and in this case, a senior and their family would need to pay a portion of their in-home care costs.