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The 10 Best In-Home Care Services for Seniors in Shoreview, MN for 2023

Shoreview has a senior community that makes up about 20% of its population, which is notably higher than the national average of a little less than 17%. This large 65+ community supports access to a variety of community-based programming to help older adults maintain their independence and safety at home. The region offers high-performing hospitals, such as Mercy Hospital in Fridley and M Health Fairview St. John’s Hospital in Maplewood. According to the Genworth 2020 Cost of Care Survey, seniors in this city pay approximately $6,292 per month for home care, which is considerably higher than state and national medians. For those who need skilled nursing services in addition to personal care, the region has numerous home health care agencies that may provide a more appropriate level of care.  

Below we’ve compiled a comprehensive directory of every home care provider in the Shoreview 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 Shoreview, MN

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Paying for Home Care in Shoreview, MN

The Cost of Home Care in Shoreview, MN

The Genworth 2020 Cost of Care Survey shows that on average, older adults in the United States pay approximately $4,481 per month for home care. In Minnesota, the average rate is over $1,000 higher at $5,863, and in the Shoreview region, older adults pay some of the highest home care costs in the state at $6,292. While all surveyed cities in Minnesota have high home care costs relative to the national average, most cities are more affordable than Shoreview. In Duluth, rates are consistent with the state median at $5,840, and in Mankato, seniors pay $5,720. St. Cloud has some of the lowest home care rates in Minnesota, with fees coming in about $1,000 less than in Shoreview at $5,262.  

Shoreview

$6,292

Minnesota

$5,863

United States

$4,481

Duluth

$5,840

Mankato

$5,720

St. Cloud

$5,262

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

Seniors in Shoreview pay approximately $6,292 monthly for home care services. Home health care is a little pricier at $6,483. Those who want to live at home but save money on care expenses may consider adult day health services, which cost $1,863 monthly. Assisted living is considerably cheaper than home care at $4,797, and nursing home rates are higher at $11,285.  

Home Care

$6,292

Home Health Care

$6,483

Adult Day Health

$1,863

Assisted Living

$4,797

Nursing Home Care (semi-private room)

$11,285

NoteData for Shoreview was unavailable, so data for the nearest city, Minneapolis Area, was used instead.   

Financial Assistance for Home Care in Shoreview, 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 Shoreview, MN

Finding affordable home care services in Shoreview is simpler with help from numerous nonprofit agencies and programs. Through the following resources, older adults can obtain volunteer or community-subsidized transportation, meal delivery and companionship services. Some resources may also help older adults lower living expenses and find public benefits that may help them cover care costs. 

ResourceContactService
Care Crew(763) 784-2097Crew Care provides transportation services to qualifying individuals in the community, including those who meet age, need or disability guidelines. This volunteer-run service is free and can help older adults attend medical appointments and local errands. It also provides grocery and personal shopping assistance and help with identifying other services in the community.
Meals on Wheels(651) 318-9091Meals on Wheels provides fresh, healthy meals to older adults unable to prepare their own food. Volunteers deliver meals on weekdays between 11 a.m. and noon. Meals are free, but donations are appreciated. 
Northeast Youth & Family Services(651) 486-3808Northeast You & Family Services is a local nonprofit organization that provides a range of community services, including the Senior Chore Program. Through this program, those aged 60 and over can arrange for indoor and outdoor chore services from youth or adult workers. The program pays the worker and asks seniors to make a donation toward the cost of the service. The organization also has the Senior Connections Program, which provides telephone check-ins for housebound individuals to reduce isolation and help them access services in the community. 
Senior LinkAge Line(800) 333-2433The Senior LinkAge Line is a statewide helpline that assists older adults in finding community-based services to meet their needs, including social and recreational programming, transportation and home-delivered meals. The line can also help older adults understand their Medicare benefits and identify ways to help pay for home care. 

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.

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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.

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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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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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