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The 10 Best Home Care Agencies for Seniors in Breezy Point, 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 Breezy Point, NY, residents and their loved ones rate In Home Care agencies across the 48 options below.

Home Care Services in Breezy Point, New York

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On this page:

  • Home Care Services in Breezy Point, New York
  • Paying for Home Care in Breezy Point, NY
  • Financial Assistance for Home Care in Breezy Point, NY
  • Determining Your Loved One’s Need for In-Home Care
  • Guidelines for Talking About In-Home Care

Paying for Home Care in Breezy Point, NY

The Cost of Home Care in Breezy Point, NY

According to Genworth, the average monthly price for home care throughout the state of New York ranges from $6,101 in Ithaca to $4,814 in Binghamton. The state’s average monthly price for such care is $5,339, roughly $200 lower than Breezy Point. However, the national average monthly price is much lower at $4,957. Rochester, located in the western part of the state, reports prices roughly $200 higher than those found in Breezy Point, while Buffalo, which is in the northern part of the state, is nearly $600 cheaper than Breezy Point. 

Breezy Point

$5,529

New York

$5,339

The United States

$4,957

Binghamton

$4,814

Ithaca

$6,101

Buffalo

$4,957

Rochester

$5,720

The Cost of Home Care vs. Other Senior Care Options in Breezy Point, NY

Seniors who wish to age at home but need medical support often choose home health care over in-home care. In Breezy Point, home health care adds about $200 per month to in-home care’s cost, similar to the cost of staying in an assisted living community. Adult day health care is much cheaper at $1,950 per month, though it’s primarily intended as respite for primary caregivers. Nursing home care is over twice as expensive as all other options.

In-Home Care

$5,529

Home Health Care

$5,720

Adult Day Health Care

$1,950

Assisted Living Facility

$5,750

Nursing Home Facility (semiprivate room)

$12,471

Note: Data for Breezy Point was unavailable, so data for the nearest city, New York, was used instead.

Financial Assistance for Home Care in Breezy Point, 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.

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

In Home Care near Breezy Point, NY

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Other Options in Breezy Point, NY

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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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