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The 10 Best Home Care Agencies for Seniors in Gulfport, MS 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 Gulfport, MS, residents and their loved ones rate In Home Care agencies 3.66 out of 5 stars across the 17 options below.

Home Care Agencies in Gulfport, MS

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Paying for Home Care in Gulfport, MS

The Cost of Home Care in Gulfport, MS

According to the Genworth 2021 Cost of Care Survey, seniors in Gulfport pay $4,195 per month for in-home care. This rate is about $380 higher than the Mississippi median, but it falls $760 short of the U.S. average. Costs are similar a little to the north in Hattiesburg, but rates drop to $3,434 in the middle of the state in Jackson. New Orleans, Louisiana, an hour southwest, has identical costs to Gulfport, and in Mobile, Alabama, to the east, home care is $380 less than in Gulfport.

Gulfport

$4,195

Mississippi

$3,813

United States

$4,957

Jackson

$3,432

Hattiesburg

$4,004

Mobile, AL

$3,813

New Orleans, LA

$4,195

The Cost of Home Care vs. Other Senior Care Options in Gulfport, MS

Although home care is a popular option, there are other types of care available for those with different preferences or needs. For example, assisted living is about $400 less per month and provides a residential community with social engagement. While both forms of in-home care allow seniors to age in place for the same cost in Gulfport, home health care includes light medical services provided by skilled professionals. Home care provides personal assistance and some housekeeping services. Nursing homes offer the most comprehensive services and cost $3,120 more than home care.

Home Care

$4,195

Home Health Care

$4,195

Assisted Living

$3,800

Nursing Home Care (semiprivate room)

$7,314

Financial Assistance for Home Care in Gulfport, MS

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 Gulfport, MS

Seniors in Gulfport who are living at home have access to a wide range of programs and services to support their needs. Both local and state organizations offer services for seniors who wish to age in place. They offer financial assistance, nutritious meals, wellness programming and social opportunities. Some also offer benefits counseling, in-home care coordination or referrals to make homes more energy-efficient and accessible. Seniors and their families can contact the agencies below to learn more about the various resources available and how to access them. They can also discover if they qualify for the additional aid.

ResourceContactService
Harrison County Senior Resources(228) 241-2004Harrison County operates seven senior centers in the area and provides transportation and adult day care services to seniors. They offer benefits counseling and connect seniors with volunteer opportunities in the community. Congregate meals are served at senior centers or nutritionally balanced meals can be delivered at home.
Mississippi State Health Insurance Program (SHIP)(601) 359-4500The State Health Insurance Assistance Program (SHIP) is a counseling program designed to answer questions about insurance, such as Medicare, Medicaid, Long-Term Care, supplemental insurance or other coverage. Volunteers help seniors understand their benefits, organize their bills and file claims.
SMPDD Respite Program(228) 868-2311The Southern Mississippi Planning & Development District offers respite care services to relieve caregivers of seniors receiving care in their homes. This helps reduce the stress on the family, gives the caregiver some personal time and changes the senior's routine a bit.
MDHS Low-Income Home Energy Assistance Program ((601) 359-4500The Mississippi Low-Income Home Energy Assistance Program (LIHEAP) assists seniors with lowering their energy costs by making their homes more energy-efficient. This is done through weatherization and home repairs such as caulking, HVAC replacement or minor roof repair.
Gulfport Meals on Wheels(727) 344-2111The Neighborly Care Network in Gulfport oversees the Meals on Wheels program, which supports seniors' health and well-being by providing nutritious meals and social interaction. Both hot and frozen meals are available and approved by a licensed dietitian specializing in senior nutrition.

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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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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