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

Ranked as the second best place for health care in the state in Caring’s 2022 Senior Living Report, Springfield, Missouri, offers big city amenities with small-town charm and prices. Springfield was ranked as being the 15th most affordable city in the nation for seniors. The housing prices are particularly affordable. With quality health care facilities such as Mercy Hospital Springfield located in the city, seniors can enjoy easy access to top amenities. The hospital is rated as high performing in 11 procedures and conditions, including diabetes and heart bypass surgery.

According to the Genworth Cost of Care Survey of 2021, seniors in Springfield typically pay $4,767 per month for home care — this is equal to the state average and slightly lower than the national average. Alternatively, seniors can access home health care, which provides medical services in addition to personal care.

Below we’ve compiled a comprehensive directory of every home care provider in Springfield– 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, the average monthly cost of home care in Springfield is equal to the Missouri average of $4,767 and around $200 lower than the average price across the U.S. Nearby in Joplin, the cost of care is slightly more affordable at around $300 less than Springfield. In Columbia, home care costs are slightly higher, averaging $5,053 per month. In the west in Kansas City, care equals the national average and in the east in St. Louis, care is less affordable, costing around $5,482 per month.

There are a variety of long-term care options in Springfield. Home care and home health care share the same average monthly cost of $4,767, even though home health care provides additional medical care. For a more affordable option, adult day care costs around $1,788 per month and includes weekday assistance. An assisted living community is generally less expensive than home care in Springfield, averaging $1,500 less. Nursing homes offer 24/7 skilled nursing and are typically the least affordable option. In Springfield, the average cost of nursing care is $5,262 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.