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The 10 Best Home Care Agencies for Seniors in Bay Shore, NY for 2024

Last Updated: June 5, 2024 - Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Bay Shore, NY, residents and their loved ones rate In Home Care agencies across the 44 options below.

Home Care Agencies in Bay Shore, NY

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Paying for Home Care in Bay Shore, NY

The Cost of Home Care in Bay Shore, NY

Bay Shore’s older residents usually pay around $5,339 per month for home care services, which is typical for New York, although significantly more than the national average of $4,957. New York City is costlier, at $5,529, while Poughkeepsie’s average is also $5,339, and Kingston is a more affordable $5,148. The 2021 Genworth Cost of Care Survey found Bay Shore’s average fees are higher than most cities on the opposite side of Long Island Sound too, such as in New Haven, Connecticut, where the average fee is $5,243. 

Bay Shore

$5,339

New York

$4,576

The United States

$4,957

New York City

$5,529

Poughkeepsie

$5,339

Kingston

$5,148

New Haven, CT

$5,243

The Cost of Home Care vs. Other Senior Care Options in Bay Shore, NY

Seniors can expect to pay around $5,339 per month for both home care and home health care services in Bay Shore. Neither service is as affordable as adult day care ($1,619), but both are less costly than assisted living ($6,273) and a semiprivate room in a nursing home, where $16,805 per month is the norm.

Home Care

$5,339

Home Health Care

$5,339

Adult Day Health Care

$1,619

Assisted Living Facility

$6,273

Nursing Home Facility (semiprivate room)

$16,805

Note: Data for Bay Shore was unavailable, so data for the nearest city, Bridgeport, CT, was used instead.

Financial Assistance for Home Care in Bay Shore, NY

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 Bay Shore, NY

Bay Shore’s seniors needn’t face emergencies alone, as many nonprofits and other agencies provide free assistance to Suffolk County residents. The resources listed here can help make homes safer, assist with energy costs, provide healthy meals and loan durable medical equipment.

ResourceContactService
Long Island Home Improvement Program(631) 471-1215The Community Development Corporation of Long Island is a nonprofit that uses funds from the New York State Affordable Housing Corporation to pay home repair costs for income-eligible residents of Suffolk County. The program's purpose is to make homes safer and more comfortable, which may mean the repair or replacement of heating systems, roofs, siding and gutters, as well as the installation of features that can make the home more energy-efficient, such as windows, doors and wall insulation.
Suffolk Independent Living Organization(631) 880-7929The Suffolk Independent Living Organization is an advocacy agency dedicated to helping seniors continue to live at home. Its support functions include TRAID, a technology-related assistance program for people with disabilities. The program has a wide scope that includes loaning equipment to residents on low incomes and providing technical assistance and training.
Home Heating Assistance Program(631) 854-9935Suffolk County's Home Heating Assistance Program is available to seniors, people on low incomes and anyone at risk of being unable to cover their home heating costs. The program usually pays the successful applicant's vendor directly and can cover the cost of home-heating fuels. Seniors who need help completing an application can get assistance from the Office for the Aging at (631) 853-8326.
Meals on Wheels(631) 789-5219Catholic Charities of Long Island manages a Meals on Wheels program for seniors throughout Suffolk and Nassau counties, delivering hot and nutritionally balanced meals Monday to Friday. The program's case managers may also be able to help seniors access other local programs they could be eligible for.
Emergency Assistance Program(631) 842-6100 The Economic Opportunity Council of Suffolk, Inc. operates an emergency assistance program that supports eligible residents financially struggling because of the COVID-19 pandemic. The program may be able to help people with their rent or mortgage, car payments and health insurance. Additionally, it can support those who are two or more months behind on their utility payments or are facing an unexpected heating emergency, such as a broken furnace.

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

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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