More than 1.9 million residents called Nebraska home as of July 2021, and more than 16% of those living here were seniors aged 65 and above. A cost of living that’s more than 10% below the national median makes the state financially comfortable for many seniors, particularly those with limited incomes. Those living here can also feel secure knowing that Nebraska Medical Center is nearby — the hospital was named one of the best in the world by Newsweek in 2019.

Many seniors in Nebraska require extra help at home. While in-home care can provide services such as housekeeping, meal preparation and personal care, home health care offers the added benefits of physical or occupational therapy, health monitoring by a licensed nurse and medication administration. In Nebraska, the average cost of in-home care is $5,148 per month while home health care costs approximately $5,339.

This guide provides an overview of in-home care costs in Nebraska and surrounding states, as well as programs such as Medicaid and Medicare that can help cover associated costs. It also includes a list of resources that are offered in Nebraska to help seniors live independently and with dignity.

The Cost of In-Home Care in Nebraska

According to the Genworth 2021 Cost of Care Survey, Nebraska seniors pay an average of $5,158 per month for in-home care. This is just under $200 more than the national average, and a little over $500 more than the cost in Kansas. Surrounding states have seniors paying more for in-home care. In Iowa and Wyoming, the average cost is the same at $5,529 per month. In South Dakota, seniors pay a much higher rate of $5,911, which is $763 higher than what those living in Nebraska pay for in-home care.

$5148

Nebraska

$4957

The United States

$5529

Iowa

$4576

Kansas

$5911

South Dakota

$5529

Wyoming

Within Nebraska, costs vary depending on the location. While Grand Island doesn’t have any reported costs for in-home care or home health care, seniors in Lincoln paid an average of $5,148 per month in 2021. Conversely,  Omaha’s senior residents paid a higher monthly rate of $5,529.

$5148

Lincoln

$5529

Omaha

In-home care is less expensive than nursing care in Nebraska. Nursing home residents in the state pay an average of $7,483 for their care and residential costs. At $5,148 per month for home care and $5,339 per month for home health care. This is a less affordable option than assisted living, which costs seniors an average of $4,076 per month, including room and board. Adult day health care is the least expensive option for seniors at $1,842 per month; however, this type of care doesn’t provide the same high-level support as in-home care or residential senior care options.

$5148

In-Home Care

$5339

Home Health Care

$1842

Adult Day Health Care

$4076

Assisted Living

$7483

Nursing Home Care

Does Medicaid Cover Home Care in Nebraska?

Although regular Medicaid doesn’t offer coverage for standard home care services in Nebraska, the state does offer one Medicaid waiver to help seniors access the care they need to remain safely in their own homes. 

Home Care Waiver Programs in Nebraska

Aged and Disabled Waiver

The Aged and Disabled Waiver is a home and community-based services waiver that helps Medicaid eligible seniors access necessary long-term care services in the comfort of their own homes. This waiver is designed to enhance the quality of life for seniors who wish to maintain their independence.

The program provides a service coordinator who is responsible for determining the services each beneficiary is eligible for and ensuring they have access to the support they need. Covered services on this waiver include home and vehicle modifications, companion care, assistive technology, non-medical transportation, personal care and home-delivered meals.

To qualify for this waiver, seniors must be eligible for Nebraska Medicaid and be at least 65 years of age. They also must demonstrate a need for the services provided by this waiver and meet a nursing facility level of care. 

To apply, seniors can contact (877) 667-6266 to request an application. Once completed it can be emailed to DHHS.HCBSWaiverApp@nebraska.gov or faxed to (402) 328-6257.

How to Know if You’re Eligible for Medicaid in Nebraska

Medicaid eligibility depends primarily on income and need. Applicants can’t earn more than $13,596 per year or own more than $4,000 in countable assets if they live alone. Those living with their spouse are limited to $18,312 in annual household income and $6,000 in countable assets.

2022 Medicaid Income Limits for Seniors in Nebraska

Income Limits*
Asset Limits

Single Person

$13,596

$4,000

Two-Person Household

$18,312

$6,000

* per year

Additional requirements include seniors must be:

  • At least 65 or older, blind or legally disabled
  • A U.S. citizen or legal resident

How to Apply for Medicaid in Nebraska

To apply for Medicaid in Nebraska, seniors can visit ACCESSNebraska online. 

What Information You Will Need

Nebraska’s Medicaid application requires several official documents that prove who you are and your economic situation. These documents include:

  • Proof of citizenship or immigration status
  • Federal tax returns or other proof of income
  • Proof of resources and assets
  • A detailed list of monthly expenses

How to Get Help Applying for Medicaid

Medicaid applications can be complicated to navigate. In Nebraska, there are several resources available to help seniors better understand their eligibility requirements and the application process.

Contact
Area Served
Services Provided

Online

Entire State

Do I Qualify? is an online screening tool that helps seniors and other Nebraska residents determine what social support programs they may qualify for. This simple tool asks a variety of questions and provides direct links to online service applications.

(844) 385-2192

Entire State

Nebraska Total Care offers step-by-step help for seniors and other Nebraska residents who need help understanding Medicaid eligibility requirements and applications. 

(855) 632-7633

Entire State

Nebraska Medicaid representatives can provide step-by-step support and customer service to those applying for Medicaid and those with questions about the state's waiver and eligibility requirements. 

Does Medicare Cover In-Home Care in Nebraska?

In general, Medicare does not cover the cost of non-medical home care. That being said, there are situations in which Medicare provides some coverage for medical home care, referred to as “Home Healthcare.” There are several eligibility restrictions for coverage, including that individuals must be homebound and have a referral from their doctor specifically for home healthcare services.

Below is an overview of some of the skilled medical professionals whose in-home services are typically covered by Medicare – for more in-depth information, refer to our Guide to Home Healthcare.

  • Physical Therapists: Physical therapy is used to help patients recover from injuries (broken bones, knee injuries, etc.), treat ongoing conditions such as arthritis, and assist in recovery from surgeries and procedures such as a knee or hip replacement.
  • Visiting Nurses: Licensed nurses can provide a number of medical services for those who don’t need to stay in the hospital, but do need regular medical services such as wound care, changing feeding tubes, etc.
  • Occupational Therapists: Occupational therapists help seniors regain or maintain the ability to accomplish normal, daily tasks, such as bathing, dressing, eating, and other daily activities.
  • Speech Therapists: Speech therapists help seniors who are struggling to adequately communicate due to a stroke, dementia, or any other cause regain the ability to functionally communicate using a variety of means. Additionally, speech therapists help to keep seniors independent by modifying diets, teaching special techniques to swallow safely, and retraining associated muscles.

As mentioned above, in-home care is distinctly different from home healthcare. But, there can be some overlap in services between the two types of care. So, while Medicare doesn’t cover non-medical in-home care, there are in-home care services that may be covered in special circumstances when they’re provided in conjunction with home healthcare (such as an occupational therapist helping with eating or dressing)

Other Financial Assistance Options for In-Home Care in Nebraska

While the above programs help many people finance in-home care, they will not cover all costs for everyone. There are other ways to pay for in-home care, including out-of-pocket arrangements with siblings, annuities, reverse mortgages, private insurance and more. Read Caring.com’s Guide to In-Home Care Costs to learn more about these alternative payment options.

Free and Low-Cost Resources for Seniors in Nebraska

Seniors living at home in Nebraska have access to a variety of supportive services and resources that are designed to enhance the quality of life while keeping expenditures low. 

Contact
Area Served
Services Provided

Contact the local state agency

Entire State

Nebraska's Weatherization Assistance Program helps low-income households pay for improvements that improve energy efficiency. This can include adding insulation to attic walls or floors, replacing or repairing furnaces, boilers or water heaters, installing new weatherstripping or door sweeps, or replacing broken glass in primary windows. To qualify, seniors must have an income that's no more than 200% of the federal poverty guidelines.

(402) 293-3138

Bellevue area, Omaha area

This program provides low-cost transportation for doctor's appointments, errands, social activities and other needs for seniors and disabled persons. The service is door-to-door and is available Monday through Friday. Trips cost just $2.00 each way for in-town trips or $4.00 for out-of-town trips.

Contact local agency

Entire State

Area Agencies on Aging help seniors by connecting them with local and statewide services and resources. They also assist with long-term care planning, insurance counseling, caregiver training and case management.

(402) 965-9201

Omaha area

Project Houseworks is a nonprofit organization that works with low-income seniors to conduct free home modifications and critical home repairs. The organization also operates a home affordability program, which helps subsidize housing costs for low-income families and seniors, and the Warm the Metro program, which provides free furnace inspections, repairs, and replacements.

(800) 652-1999

Entire State

Adult Protective Services exists to protect seniors from neglect at the hands of caregivers or themselves. It also works against exploitation and all forms of abuse. This state agency accepts, investigates and resolves complaints about the safety of seniors and impaired adults aged 18 and older.

COVID-19 Rules for In-Home Care Providers in Nebraska

All home care workers in Nebraska must have two doses of an approved SARS-CoV-2 vaccine and recommendations to keep up with the most recent recommendations surrounding boosters. Compliance with this regulation was required by January 27, 2022, while enforcement of the rule was initiated as of March 28, 2022. 

These guidelines are current as of April 2022; however, as the Centers for Disease Control continues to further understand the evolution of this virus, recommendations surrounding vaccinations may change. For the most up-to-date advice, it’s best to check with local public health departments. 

Home care agencies may also have additional regulations in place for workers, which can be obtained by contacting agencies directly.

In-Home Care Laws and Regulations in Nebraska

Home health agencies are licensed and regulated by the Nebraska DHHS Licensure Unit with the provisions outlined in Title 175, Chapter 14. In-home care agencies that provide non-medical care, such as homemakers and companionship, aren’t bound by these regulations. A summary of important points is included here for convenience.

In-Home Care Laws and Regulations in Nebraska
Scope of Care
The individual's needs must be assessed and deemed appropriate and safe for management outside of an institution. Home health agencies may provide all manner of services, including skilled nursing, whereas home care agencies are restricted to non-skilled services such as assistance with activities of daily living.
Care Plan and Coordination
Care must be provided following a written plan that is developed by an appropriately qualified professional and based on an assessment in the recipient's home. This plan must be updated every 62 days at a minimum. Home health agencies that provide multiple services must coordinate and ensure each service is safe and effective when combined.
Medication Management and Administration
In-home care includes medication reminders and basic assistance. Home health agencies are permitted to administer medication.
Staff Background and Training
All home health agency staff must receive pre-employment screening that includes a criminal background and various statewide registry checks. The agency must maintain evidence of staff employment records, initial orientation and ongoing training that is relevant to each individual's job.
Medicaid Certification
Nebraska Medicaid and the Aged and Disabled Waiver covers home health agency services for eligible residents.
Reports and Complaints
Nebraska DHHS handles complaints and allegations of abuse via the Adult Abuse and Neglect Hotline on 800-652-1999. The complaints page also has information on specific issues such as Medicaid fraud.

Frequently Asked Questions

How much does in-home care cost in Nebraska?

In-home care has an average monthly cost of $4,671 in Nebraska. Home health agencies cost $4,957 per month and provide additional services. The differences between the two styles are described below.

Does Nebraska Medicaid pay for in-home care?

Yes. Seniors and people with disabilities may be eligible for coverage of in-home care and home health agency services under Nebraska Medicaid and the Aged and Disabled Waiver.

Are there programs to cover home modifications in Nebraska?

Yes. The Disabled Persons and Family Support program detailed in this guide covers up to $300 per month in services, including home modifications, for eligible Nebraskans. Local assistance programs may also be available via Area Agencies on Aging.

What are “Activities of Daily Living”?

ADLs are common tasks that make up everyday life. Many of these tasks are universal, such as meal preparation, eating, cleaning, hygiene and mobility, while others such as wheelchair assistance, medication reminders and other forms of hands-on assistance are appropriate in certain situations.

What is the difference between in-home care and home health care?

In-home care is focused on maintaining or improving independence by assisting with activities of daily living, as outlined above. Home health care refers to skilled nursing or therapeutic services such as physical, speech and occupational therapy.

How to Find an In-Home Care Provider in Nebraska

Whether you are looking for yourself or a loved one, finding a quality home care provider can be a stressful process. When you hire an in-home care aide you’re placing a lot of trust in the hands of the person by inviting them into your home, so you’ll want to be diligent in your search. At Caring.com, we’re here to help – we’ve created a helpful checklist below that can help guide you through the process of both determining your needs and finding a home care agency that will provide the best care possible.

Find Home Care Agencies Near You

To find quality home care providers near you, simply input the zip code or city where you would like to start your search. We have an extensive directory of home care agencies all across the nation that includes in-depth information about each provider and hundreds of thousands of reviews from seniors and their loved ones.

Right at Home Omaha Metro

13304 West Center Road, Suite 225, Omaha, NE, 68144

They have sent some good caregivers. They help me with my exercises. They help me get things I need, because I can’t walk.
They have sent some good caregivers. They help me with my exercises. They help me get things I need, because I can’t walk.

2021

Home Instead – Bellevue, NE

114 E 1st St, Suite 109, Papillion, NE, 68046

Over time, our caregiver has learned Dad’s tastes and his habits. She prepares meals, does his shopping and light housekeeping but most importantly, she provides peace of mind.
Over time, our caregiver has learned Dad’s tastes and his habits. She prepares meals, does his shopping and light housekeeping but most importantly, she provides peace of mind.

Home Instead – Metro Omaha, NE

10830 Old Mill Rd, Suite 101, Omaha, NE, 68154

We are using the service 2 hrs AM and 2 hrs PM. Very prompt on the times we asked for. The service is for my mother-in-law and she is very pleased with the caregivers she met. She had to go back in … (read more)
We are using the service 2 hrs AM and 2 hrs PM. Very prompt on the times we asked for. The service is for my mother-in-law and she is very pleased with the caregivers she met. She had to go back in … (read more)

Sunlight Senior Care – Lincoln and Omaha, NE

233 S. 13th St. , Lincoln, NE, 68508

I’ve been using Sunlight Support for two weeks. The caregivers are very good and pleasant, and I’m very comfortable with them. They clean up and put things away upstairs and downstairs. They came to m … (read more)
I’ve been using Sunlight Support for two weeks. The caregivers are very good and pleasant, and I’m very comfortable with them. They clean up and put things away upstairs and downstairs. They came to m … (read more)

A Place At Home

10791 S 72nd St, Papillion, NE, 68046

When it comes to in-home senior care and other services designed to help seniors age gracefully, A Place At Home is there to provide you with compassionate professionals to assist you or your loved on … (read more)
When it comes to in-home senior care and other services designed to help seniors age gracefully, A Place At Home is there to provide you with compassionate professionals to assist you or your loved on … (read more)

A Place at Home, LLC

11310 Davenport St, Omaha, NE, 68154

The agency keeps in contact with me. I like the caregivers that we have. They are well trained, respectful, and kind.
The agency keeps in contact with me. I like the caregivers that we have. They are well trained, respectful, and kind.

Caring for People Services of Omaha

11128 John Galt Blvd. , Omaha, NE, 68137

Caring for People worked with me to provide care for my Mother while we were on vacation. Mom liked her caregivers, and we felt secure in the knowledge that she was being looked after by conscientiou … (read more)
Caring for People worked with me to provide care for my Mother while we were on vacation. Mom liked her caregivers, and we felt secure in the knowledge that she was being looked after by conscientiou … (read more)

Comfort Keepers – Senior Home Care

5437 North 103rd Street, Omaha, NE, 68134

My brother has special needs so he could be difficult to work with. All of the personnel who came out were very patient and understanding about some of his limitations.They are compassionate and carin … (read more)
My brother has special needs so he could be difficult to work with. All of the personnel who came out were very patient and understanding about some of his limitations.They are compassionate and carin … (read more)

Interim HealthCare of Omaha, NE

5332 S. 138 St., Suite 100, Omaha, NE, 68154

This company is the best. Staff truly cares about their patients. It was so nice to know that my parents were well cared for during their time with Interim.
This company is the best. Staff truly cares about their patients. It was so nice to know that my parents were well cared for during their time with Interim.

Home Care Assistance of Lincoln

6000 Village Dr., Lincoln, NE, 68516

Home Care Assistance took fantastic care of our mother during her last few months. Shortly after her diagnosis of a brain tumor, my brothers and I realized we could not take care of mom by ourselves. … (read more)
Home Care Assistance took fantastic care of our mother during her last few months. Shortly after her diagnosis of a brain tumor, my brothers and I realized we could not take care of mom by ourselves. … (read more)

Senior Helpers of Omaha Metro

5510 Miller Avenue, Ralston, NE, 68127

Mandi and team have been a terrific caring for my mom the last several months. They’ve been able to ease many of my concerns during such uncertain times- I’d definitely recommend them to anyone lo … (read more)
Mandi and team have been a terrific caring for my mom the last several months. They’ve been able to ease many of my concerns during such uncertain times- I’d definitely recommend them to anyone lo … (read more)

Advanced Home Health Care

2617 South 167 Circle, Omaha, NE, 68130

My parents are not only happy with Advanced Home Health Care, they are blown away. They expected someone to check in on them but the company went so far beyond that. They have interacted with doctor … (read more)
My parents are not only happy with Advanced Home Health Care, they are blown away. They expected someone to check in on them but the company went so far beyond that. They have interacted with doctor … (read more)

Joerns Healthcare

4879 F Street, Omaha, NE, 68117

I’ve been using Recovercare for almost two years now. They provide everything I need. I get a bath twice a week and they take care of my meals. They’re very good.
I’ve been using Recovercare for almost two years now. They provide everything I need. I get a bath twice a week and they take care of my meals. They’re very good.

Caring Senior Service

11725 Arbor St 115c, Omaha, NE, 68144

I have a 28 year old severe autistic daughter uses a caregiver through Caring Senior Service. My daughter and I love this caregiver and the company!! The caregiver takes her out places, is interacti … (read more)
I have a 28 year old severe autistic daughter uses a caregiver through Caring Senior Service. My daughter and I love this caregiver and the company!! The caregiver takes her out places, is interacti … (read more)

FirstLight HomeCare Of Omaha NE and Suburbs

2717 South 88th St, Omaha, NE, 68124

First Light Home Care is a local, small company that offers excellent in-home care. The owner, Dale Oakin, is very responsive and hands on. He has responded to requests for care within hours, even o … (read more)
First Light Home Care is a local, small company that offers excellent in-home care. The owner, Dale Oakin, is very responsive and hands on. He has responded to requests for care within hours, even o … (read more)

Key Home Care

10730 Pacific St, Suite# 30, Omaha, NE, 68114

This is an amazing company! The are very accommodating & quite attentive to clients & families needs! Go above & beyond and manage to set up 24/7 care with very short notice!
This is an amazing company! The are very accommodating & quite attentive to clients & families needs! Go above & beyond and manage to set up 24/7 care with very short notice!

Caretech Inc.

11904 Arbor Street Suite 201, Omaha, NE, 68144

I use Caretech along with another in-home care service. They change my diaper and they fix my meals.
I use Caretech along with another in-home care service. They change my diaper and they fix my meals.

Good 2B Home

PO Box 34454, Omaha, NE, 68134

I don’t know what my mom would’ve done without Reanna. I absolutely appreciated everything she’s done for my mother and I wish there was a way I could clone her.
I don’t know what my mom would’ve done without Reanna. I absolutely appreciated everything she’s done for my mother and I wish there was a way I could clone her.

Encompass Senior Solutions

3009 South 87th Street, Omaha, NE, 68124

Suzanne and her staff did a wonderful job caring for my brother. He just died in early July but I know he was in excellent hands while with them. Suzanne was terrific to work with and kept me carefull … (read more)
Suzanne and her staff did a wonderful job caring for my brother. He just died in early July but I know he was in excellent hands while with them. Suzanne was terrific to work with and kept me carefull … (read more)

Dignity Home Care, Inc. in Omaha, NE Personal Care, Companionship, ADL

1299 Farnam Street , Suite 300, Omaha, NE, 68102

Very good experience with their care givers
Very good experience with their care givers