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The 10 Best Home Care Agencies for Seniors in Maryland Heights, MO for 2024

Maryland Heights is about 20 minutes northwest of downtown St. Louis and home to approximately 28,300 people, 3,850 of whom are in the 65+ age group. About 70% of older adults will need some type of care in their later years, with home care being a popular choice. In Maryland Heights, fees are around $5,482 per month — which is above the state and national averages by 14% and 10%, respectively. The same fee applies to home health care, despite it being a medical service and home care being non-medical. Maryland Heights is also excellent for those who need greater support as it’s within minutes of several hospitals of distinction, including Mercy Hospital St. Louis.

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

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Home Care Agencies in Maryland Heights, MO

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Paying for Home Care in Maryland Heights, MO

The Cost of Home Care in Maryland Heights

On average, seniors paying $5,482 for home care in Maryland Heights are handing over an additional $715 per month when compared to Missouri’s median and $525 more than the typical American. The 2021 Genworth Cost of Care Survey also revealed the city is the state’s costliest, charging significantly more than others, including Columbia ($5,053), Kansas City ($4,957) and Springfield ($4,767). Seniors looking for the most affordable city may want to consider Cape Girardeau, where fees average $3,756.

Maryland Heights

$5,482

Missouri

$4,767

The United States

$4,957

Columbia

$5,053

Kansas City

$4,957

Springfield

$4,767

Cape Girardeau

$3,756

The Cost of Home Care. vs. Other Senior Care Options in Maryland Heights

Home care and home health care agencies charge around the same for their services, which, at $5,482, approaches the $5,627 that nursing homes typically charge for a semiprivate room. This may surprise some, but it’s worth noting home care is one-on-one and the senior may benefit emotionally when surrounded by familiar possessions. More affordable care is possible, however, such as assisted living at $4,100, and adult day care at $1,918.

Home Care

$5,482

Home Health Care

$5,482

Adult Day Health Care

$1,918

Assisted Living Facility

$4,100

Nursing Home Facility (semiprivate room)

$5,627

Note: Data for Maryland Heights was unavailable, so data for the nearest city, St. Louis, was used instead.

Financial Assistance for Home Care in Maryland Heights, MO

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 Maryland Heights, MO

Seniors in Maryland Heights needn’t feel alone because local government agencies and nonprofits are dedicated to helping them live safer and more fulfilling lives. The resources listed here can remove hazards in the home, reduce energy costs, supply legal representation and provide spaces where seniors can socialize together.

ResourceContactService
Home Improvement ProgramSouth Office: (314) 615-4025North Office: (314) 615-8232Administered by St. Louis County and funded by the federal government, the Home Improvement Program financially assists income-eligible homeowners living in homes that are unsafe and sapping energy. The program's support is on a first come first served basis and is restricted to low-income residents without mortgage and real estate tax debts. It can provide 100% of repair costs up to $5,000.
Community Center(314) 738-2599The Senior Lounge at Maryland Heights' community center provides free amenities for adults aged 55+. It's where they can socialize with others in their age group, away from other parts of the center. Seniors can also access the indoor aquatic center, fitness center and gymnasium. Adults aged 62+ can get unlimited access to the center and its facilities for one annual fee.
LIHEAP Energy Assistance(314) 615-3632The Low Income Home Energy Assistance Program can help eligible seniors meet the costs of heating and cooling their homes throughout the year. Several factors determine the level of financial assistance provided, such as the household's size and gross combined income. In addition to the standard program, LIHEAP provides emergency assistance to residents most at risk, such as when the energy provider has threatened to disconnect the supply.
Senior Law Program(800) 444-0514The Senior Law Program provides free advice and representation to seniors on low incomes in and around Maryland Heights. It can help in matters involving civil law, such as consumer fraud, denied public benefits, health care insurance problems and domestic violence. The program also specializes in estate planning, which includes helping seniors prepare their wills and beneficiary deeds for their homes.
Weatherization Assistance Program(314) 863-0015The Weatherization Assistance Program makes homes safer and more energy-efficient for eligible applicants, which can be homeowners and renters (subject to the property owner's agreement). Professional contractors carry out the necessary work revealed by an energy audit, which may include insulating attics and sidewalls, repairing doors and windows and installing eco-friendly lighting.

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.

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.

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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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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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