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The 10 Best Home Care Agencies for Seniors in Howard Beach, NY for 2024

Howard Beach is a relatively wealthy neighborhood of Queens that’s known for its large Italian population and its low-rise housing, which makes it a unique area in a city with hundreds of skyscrapers. The borough of Queens is home to more than 405,000 people aged 65 and over — 17.4% of the total population of Queens — according to 2021 U.S. Census estimates. Due in part to the high demand from such a large senior population, the cost of in-home care services is also relatively high at $5,529 per month. The statewide average is lower by 3.5% while  the national average is 11.5% lower, according to the Genworth Cost of Care Survey 2021. Seniors in Howard Beach have access to excellent medical facilities, however, with dozens of large hospitals nearby in Brooklyn and Jamaica.

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

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Home Care Agencies in Howard Beach, NY

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Paying for Home Care in Howard Beach, NY

The Cost of Home Care in Howard Beach, NY

In-home care for seniors in Howard Beach and New York City overall costs $191 per month more than the state average, according to the Genworth Cost of Care Survey 2021, and $572 more than the national average. The cost in Poughkeepsie is in line with the state average, offering little relief compared to Howard Beach, while seniors in Kingston save around $400 per month. Binghamton’s average cost for home care is lower by $715 per month.

Howard Beach

$5,529

New York

$5,339

The United States

$4,957

Poughkeepsie

$5,339

Kingston

$5,148

Binghamton

$4,814

The Cost of Home Care vs. Other Senior Care Options in Howard Beach, NY

Home health care services such as physical therapy and skilled nursing cost around $200 per month more than basic in-home services for seniors, which include personal care and household chores. The average cost of assisted living in Howard Beach is virtually identical to that of home health care, whereas a semiprivate room in a nursing home costs more than double the monthly rate for both levels of in-home care. Adult day health services in Howard Beach are significantly more affordable, with average savings of $3,579 per month when compared to home care.

Home Care

$5,529

Home Health Care

$5,720

Adult Day Health

$1,950

Assisted Living Facility

$5,750

Nursing Home Care (semiprivate room)

$12,471

Financial Assistance for Home Care in Howard Beach, 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 in-home care
Checklist for determining the need for in-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.  

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Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs
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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

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