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The 10 Best Home Care Agencies for Seniors in Mount Kisco, NY for 2024

Mount Kisco, New York, is a small city in Winchester County about 40 miles from New York and close to Connecticut. Almost 16% of the 10,959 residents of Mount Kisco are aged 65 and older. It’s a suburban community with an expensive cost of living — 61 points above the national average. However, it also scores a 7.1/10 on the Best Places Comfort Index, making it one of the more comfortable places to live in the state. According to the Genworth Cost of Care Survey 2020, home care in Mount Kisco is $4,767 a month, which is less expensive than the state average but more expensive than the national one.

Below we’ve compiled a comprehensive directory of every home care provider in the Mount Kisco area – 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.

Home Care Agencies in Mount Kisco, NY

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Paying for Home Care in Mount Kisco, NY

The Cost of Home Care in Mount Kisco, NY

Seniors who need in-home care in Mount Kisco pay an average of $4,767 a month. That’s roughly $50 cheaper than the state average of $4,814, but about $280 above the national average of $4,481. The New York City Area averages $4,957 a month, $190 a month more expensive. Albany averages $5,148 a month. Elmira, to the west, is approximately $50 more expensive at $4,814 a month. Kingston has a lower price at $4,385 a month, roughly $400 a month less expensive..   

Mount Kisco

$4,767

New York State

$4,814

The United States

$4,481

New York Area

$4,957

Kingston

$4,385

Albany

$5,148

Elmira

$4,814

The Cost of Home Care vs. Other Senior Care Options in Mount Kisco, NY

Seniors have several care options in Mount Kisco. In-home care compares favorably to almost all of them. Home health care, like in-home care but including medical services, costs $5,148 a month. An assisted living facility is $7,838. The most expensive option is a semiprivate room in a nursing care facility at $14,113 a month. The least costly option is adult daycare at $1,926 a month  

Home Care

$4,767

Home Health Care

$5,148

Adult Day Health

$1,926

Assisted Living

$7,838

Nursing Home Care (semi-private room)

$14,113

NoteData for Mount Kisco was not available, so data for the nearest city, Bridgeport, Connecticut, was used instead.  

Financial Assistance for Home Care in Mount Kisco, 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 Mount Kisco, NY

The Mount Kisco area accesses many senior care resources that are free or low-cost. Some of these programs will provide financial assistance to seniors, while others will help them answer important medical questions or help pay for housing needs.

ResourceContactService
Expanded In-home Services for the Elderly (EISEP)(718) 592-5757EISEP is designed to help seniors aged at least 60 who want to remain in their homes. If they need help with activities of daily living (ADL) but are not eligible for Medicare, they may be eligible for EISEP. Eligible seniors share the costs of EISEP based on their incomes. The services provided by EISEP include assistance with the activities of daily living, such as bathing, shopping and cooking.
New York State Office for Aging(315) 435-2362 Ext. 4693The Office of Aging promotes resources and opportunities for seniors in New York state who want to continue to live in their homes in their communities. Programs include providing food and meals to seniors who are physically unable to make their meals or have recently been discharged from hospital, transportation and respite care. The Office of Aging works directly with local community organizations to provide these services.
Westchester County Department of Senior Programs and Services(914) 995-2000 The Winchester County Department of Senior Programs and Services acts as the local Area Agency on Aging. The department helps provide nutrition for needy seniors unable to leave their homes, operates congregate meals for seniors who wish to socialize, transportation to medical events, operates senior centers and provides respite care for caregivers.
Home Energy Assistance Program (HEAP)(914) 995-3333 HEAP is a federally funded program administered by Winchester County's Department of Social Services. HEAP provides financial assistance to low-income seniors who need help with heating costs. Eligible seniors can also use HEAP funds to clean and tune their furnaces, repair or replace home heating equipment and cover emergency heating costs.
Health Insurance Information, Counseling and Assistance (HIICAP)(800) 701-0501 HIICAP, New York State's health assistance program, provides Medicaid-eligible seniors and caregivers with free, unbiased, and confidential counseling on important Medicare issues. Counselors provide information on Original Medicare, how it's different from a Medicaid Advantage Program, how to buy the best kind of Medicare Advantage Program, Prescription Drug Plans, Long-Term Care Insurance, and Medigap. Seniors or caregivers can arrange for a one-on-one session with a counselor either over the phone or in person.

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

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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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