Caring.com
Caring.com

(800) 558-0653

The 10 Best Home Care Agencies for Seniors in Saint Louis, MO for 2024

According to Caring’s Senior Living report, Saint Louis, Missouri, is one of the best places in the state to retire comfortably. Home to a strong economy, good health care and a wide variety of housing options, the Gateway City is ideal for seniors. Saint Louis University School of Medicine is home to a top geriatric medicine division. There’s also the Washington University School of Medicine in St. Louis and Barnes-Jewish Hospital, which specializes in cognitive training.

The 2021 Genworth Cost of Care Survey reports seniors in Saint Louis pay an average of $5,482 for home care, which includes help with daily living activities. Home health care average costs are the same, but include some light medical services.

Below we’ve compiled a comprehensive directory of every home care provider in Saint Louis– 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.

What you can do with Caring

  • Search the Caring database

    Quickly search the largest online senior living and senior care directory

  • Read reviews and expert guidance

    Read our authentic consumer reviews and content by experts

  • Speak to a Family Advisor for free

    Guided, expert advice to find the best community or agency for you

  • Take a tour to decide yourself

    We’ll help you book tours or get in touch with local agencies

Home Care Agencies in Saint Louis, MO

100 Results

Didn't find what you were looking for?

Caring's Family Advisors are here to help you with questions about senior living and care options.

Call us at (855) 948-3865

1

2

3

4

5

Paying for Home Care in Saint Louis, MO

The Cost of Home Care in Saint Louis, MO

Those looking for home health services in Saint Louis might be surprised to learn it is one of the most expensive regions in the state, according to the 2021 Genworth Cost of Care Survey. In fact, it is several hundred dollars more than both the national and Missouri averages for monthly care costs. Other cities in the area, including Kansas City, Columbia and Springfield, are quite a bit less expensive. Cape Girardeau has the lowest average costs of the entire state.

Saint Louis: $5,482

$5,482

Missouri

$4,767

The United States

$4,957

Kansas City

$4,957

Columbia

$5,053

Springfield

$4,767

Cape Girardeau

$3,756

The Cost of Home Care vs. Other Senior Care Options in Saint Louis, MO

Monthly costs for in-home care in Saint Louis are the same whether you choose home care services or home health care services. However, the cost of opting for an adult day health care is considerably less. It is important to note the fees for an assisted living community are more than $1,000 less per month than in-home care, which is remarkable compared to the rest of the country. Those looking for a skilled nursing center with a semiprivate room can expect to pay moderately more.

Home Care

$5,482

Home Health Care

$5,482

Adult Day Care

$1,918

Assisted Living

$4,100

Nursing Home Care (semiprivate room)

$5,627

Financial Assistance for Home Care in Saint Louis, 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.

Saint Louis Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Saint Louis:

ResourceContactAddressService
Weatherization Assistance Program(314) 651-36463701 Grandel Square, St. Louis, MO 63108The Urban League Weatherization Assistance Program is federally funded but also takes donations from local businesses. The program enables low-income households to permanently reduce their energy bills by making their homes more energy-efficient. Priority is given to senior citizens on a fixed income and those with disabilities. Services provided by the program include furnace repairs and replacements, installing insulation, window and door repairs and caulking.
Community Centers(636) 207-0847Not Listed (Multiple locations)Aging Ahead is a nonprofit organization that operates 21 senior community centers throughout the city of St. Louis. Each center provides nutritious meals to seniors participating in activities at the centers and delivers meals to the homes of eligible seniors in the surrounding areas. There is no charge for any of the services or meals at the center but voluntary contributions are always welcomed. Activities offered at the centers include exercise classes, health screenings, arts and crafts, social events and guest lectures.
Meal Programs(314) 612-59181200 Market Street, St. Louis, MO 63103This state-funded program provides home-delivered meals to senior citizens five times a week. The meals are delivered hot at lunchtime from Monday to Friday ensuring that seniors in the area are getting nutritious food on a regular basis. The program aims to keep seniors safely in their homes for as long as they are able to be independent. Nutritional supplements are provided with the meals if a dietician thinks that a senior is lacking in certain vitamins or minerals. A three-meal emergency food pack is provided to all seniors in case of an emergency or inclement weather preventing the standard meal delivery from occurring. 
Chores and Home Repairs Program(314) 612-59181200 Market Street, St. Louis, MO 63103The program includes both volunteer and state-funded contractors who perform minor home repairs and chores for seniors in the St. Louis area. The home repairs are funded by the state in general but the senior may have to contribute depending on the scale of the work required. Services offered include basic plumbing and electric work, minor home repairs to the interior and exterior of the building and the installation of ramps. The chore program is entirely carried out by volunteers and no cost is involved. Chores and work offered by the program include yard work, painting, cleaning and gutter clearing. 

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
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

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

Our Services

  • Senior Living Directory

  • Senior Care Directory

  • Caregiving Resources

  • Sitemap

  • Terms of Use

  • Privacy Policy


© 2024 Caring, LLC. All rights reserved.