The 10 Best In-Home Care Services for Seniors in Liberty, MO for 2023

Liberty is nestled in the Kansas City metro area and features numerous entertainment options, including bowling alleys, movie theaters and recreational activities at the Missouri River. The city has over 30,300 residents with a senior population comprising 13.1%. Retirees have access to a low cost of living, low crime rates and 216 sunny days per year to enjoy outdoor recreation. Liberty is also home to Liberty Hospital, a patient-centered facility offering premier medical services. Seniors pay an average of $4,957 per month for home care services, which includes assistance with daily living tasks, such as bathing and dressing. For those requiring skilled nursing services, home health care may be a better option.

Below we’ve compiled a comprehensive directory of every home care provider in the Liberty 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.

According to the 2021 Genworth Cost of Care Survey, seniors in Liberty pay a monthly average of $4,957 for home care, which is about $190 more than Missouri’s statewide average but equivalent to the national median. In St. Louis, seniors pay a higher monthly rate than Liberty at $5,482, while those in Columbia pay a higher cost of $5,053 per month. Prices drop in Springfield, where home care is offered at a lower monthly rate than Liberty at $4,767. Jefferson City has one of the lowest prices in the state at $3,813 per month. 

Adult day health care is the most affordable senior care option at $1,733 per month. Assisted living is a residential care option that costs about $372 less per month than home care. For seniors requiring skilled nursing care, home health care shares an equivalent monthly rate with home care at $4,957. Nursing home care is another residential option providing 24-hour skilled nursing care. For a semiprivate room, seniors pay about $6,464 per month. 

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.