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The 10 Best Home Care Agencies for Seniors in Platte City, MO for 2024

Platte City, a small city of 4,969 about 25 miles northwest of Kansas City, has much to offer its residents, including low crime rates and a cost of living that’s 10% below the U.S. average. The city’s also served by the nearby Saint Luke’s Hospital of Kansas City, ranked the #2 medical facility in Missouri by U.S. News and World Report. Roughly 10.4% of Platte City residents are senior citizens. The 2021 Genworth Cost of Care Survey reports that on average, those seniors pay $4,957 a month for home care, which primarily involves personal care. Home health care is more suited to the needs of seniors who require regular medical supervision and assistance.

Below we’ve compiled a comprehensive directory of every home care provider in the Platte City 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 Platte City, MO

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Paying for Home Care in Platte City, MO

The Cost of Home Care in Platte City, MO

According to the 2021 Genworth Cost of Care Survey, Platte City’s average monthly cost for home care is $190 more than the Missouri state average of $4,767; it’s also identical to the U.S. average of $4,957. Elsewhere in Missouri, prices vary widely. Residents of St. Louis pay $5,482 a month for home care, and those living in Columbia pay $5,053 a month, but the costs of $3,756 in Cape Girardeau and $3,813 in Jefferson City are over a thousand dollars cheaper.

Platte City

$4,957

Missouri

$4,757

The United States

$4,957

Jefferson City

$3,813

Columbia

$5,053

Cape Girardeau

$3,756

The Cost of Home Care vs. Other Senior Care Options in Platte City, MO

Both home care and home health care cost $4,957 a month in Platte City; home health care is similar to home care but involves a higher level of medical support. At $6,464 a month, a semiprivate room in a nursing home is roughly $1,500 more expensive than in-home care. Assisted living care, which costs $4,585 a month, is in turn about $372 cheaper than in-home care. The least expensive option is adult day care at $1,733.

Home Care

$4,957

Home Health Care

$4,957

Adult Day Health Care

$1,733

Assisted Living Facility

$4,585

Nursing Home Facility (semiprivate room)

$6,464

Note: Data for Platte City was unavailable, so data for the nearest city, Kansas City, was used instead.

Financial Assistance for Home Care in Platte City, 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 Platte City, MO

The following local, state and federal resources can help Platte City’s seniors upgrade their residences, pay for energy use and stay in touch with events in their community while receiving care at home.

ResourceContactService
Platte Senior Services(816) 270-4100This nonprofit organization runs a number of programs for both homebound and more active seniors. It maintains a low-cost home-delivered meals program that provides Platte County seniors with food for up to 5 days per week, at just $6 per meal. Weekday respite care service is also available.
Senior Property Tax Credit(800) 243-6060Missouri residents aged 65 and up are eligible for a break on their property taxes. Both homeowners and renters are potentially eligible; the property tax credit goes up to a maximum of $1,100 for seniors who own their home and $750 for renters.
Missouri Weatherization Assistance Program(573) 751-2254This federally funded program helps low-income people upgrade their home for energy efficiency, which can have a significant effect on lowering heating and cooling bills. Potential upgrades include adding insulation, repairing HVAC systems and air-sealing windows and doors.
Mid-Continent Public Library(816) 503-4175Homebound seniors may order books, CDs, periodicals and other materials from the local library directly to their doors; materials arrive and may be returned through the USPS. This service is completely free and no fines are assessed for overdue returns.
Low Income Home Energy Assistance Program(855) 373-4636The LIHEAP, a sister program to the Weatherization Assistance Program, offers emergency funds to seniors who are in immediate danger of having their home heating or cooling services cut off for nonpayment. The maximum benefit is $1,200 in summer and $1,600 in winter.

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.

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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