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The 10 Best Home Care Agencies for Seniors in Saint Paul, MN for 2024

Rated in the Top 10 for access to health programming and recreational activities and 13th overall by Caring’s 2021 Senior Living Report, St. Paul, Minnesota, appeals to seniors because of its sheer number of parks, low-cost public transportation, and many events and attractions within walking distance of downtown. St. Paul’s has highly ranked hospitals such as Abbott Northwestern Hospital, Regions Hospital, and United Hospital. According to Genworth Financial’s 2021 Cost of Care Survey, St. Paul and neighboring city Minneapolis share the same average costs for senior care, including a monthly home care cost of $7,055. Home care includes assistance with housekeeping and errands as well as daily living activities. For limited medical services in the home, seniors may opt for home health care.

Below we’ve compiled a comprehensive directory of every home care provider in Saint Paul– 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 Saint Paul, MN

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Paying for Home Care in Saint Paul, MN

The Cost of Home Care in Saint Paul, MN

The cost of home care in St. Paul averages $7,055, which is $382 higher than the state average and more than $2,000 above the national average. The average cost in St. Cloud is lower. Rochester shares St. Paul’s average cost. In the southwestern part of the state, Mankato comes in with the lowest average in Minnesota.

St. Paul

$7,055

Minnesota

$6,673

The United States

$4,957

Rochester

$7,627

St. Cloud

$6,038

Mankato

$5,720

The Cost of Home Care vs. Other Senior Care Options in Saint Paul, MN

Home care, which involves assistance with housekeeping and errands as well as tasks involved with daily living, costs an average of $7,055 per month in St. Paul. That’s the same cost as home health care, which adds limited medical care services in the home, for an average of $1,892 more than assisted living — but $4,653 less than a semiprivate room in a nursing home. Adult day care provides programming outside the home, during weekday business hours only, for less than a third of the price.

Home Care

$7,055

Home Health Care

$7,055

Adult Day Care

$2,102

Assisted Living

$5,163

Nursing Home Care (semiprivate room)

$11,708

*Note: Data for St. Paul was unavailable, so data for the nearest city, Minneapolis, was used instead.

Financial Assistance for Home Care in Saint Paul, 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.

Saint Paul 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 Saint Paul:

ResourceContactAddressService
Weatherization Program CareNextion(651) 539-150085 7th Place E, Suite 280, St. Paul, MN 55101This program is funded by the US Department of Energy and supplemented by the state of Minnesota. It provides free home energy upgrades to eligible homeowners and renters. Priority is given to senior citizens and households with children under the age of 12. Potential energy upgrades include air leakage reduction, water heater repair or replacement, attic insulation and ideas to help reduce household energy usage. A free home energy assessment is conducted on all qualifying households to see if cost-effective energy improvements will reduce the current energy bill. 
Transportation(651) 455-15601645 Marthaler Lane, West St. Paul, MN 55118DARTS is a nonprofit organization that provides wheelchair-friendly transportation services to seniors in the greater St. Paul area. The program aims to help seniors continue to live independently in their own homes for as long as possible. Door-to-door transport is provided to medical appointments, restaurants and grocery stores. Transport needs to be booked at least a day in advance to allow buses to be scheduled. There is a charge for each trip, but discounts are available for seniors with limited incomes, and donations are always welcome. 
Meals on Wheels(651) 280-2000451 Lexington Parkway North, Saint Paul, MN 55104The Wilder Foundation is a nonprofit organization that runs a meals on wheels program in Saint Paul. The program is funded by community donations and there is a small charge for each meal. Seniors who cannot afford the meals can apply for a discount or to receive their meals for free but proof of income is required. A group of volunteers delivers the meals to seniors throughout the Saint Paul area on a daily basis. The menus are reviewed by a dietician, and a wide range of special diets can be accommodated. 

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
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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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