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

Located in Rockland County, Nanuet is a hamlet within the town of Clarkstown that’s home to almost 19,000 people. The 2020 census revealed that 20% of Nanuet’s residents are aged 65 and older, a higher percentage than average, which reflects the hamlet’s popularity as a retirement location. The typical cost for home care in Nanuet is $4,957, a monthly increase of $143 when compared to the median for New York of $4,814. This service shouldn’t be confused with home health care, which typically provides home care services in addition to limited medical support. Nanuet’s medical services include primary and walk-in care at VMG and full inpatient and outpatient services at the nearby Montefiore Nyack Hospital. 

Below we’ve compiled a comprehensive directory of every home care provider in the Nanuet 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.

According to the 2020 Genworth Cost of Care Survey, the typical senior in Nanuet can expect to pay $4,957 per month for home care services, which exceeds the costs of the typical New Yorker and American by about $143 and $476 respectively. Moving upstate to Albany sees costs rise to $5,148, but seniors thinking of moving to a neighboring state can get home care in Trenton, New Jersey, for $4,910 and Bridgeport, Connecticut, for $4,767.   

Home care and home health care in Nanuet share average fees of $4,957 despite the latter also providing limited medical support from registered nurses and therapists. Adult day care centers provide the most affordable option for seniors at $1,950. Nursing homes and assisted living are the most costly as they include accommodations too. The former averages $11,771 per month for a semiprivate room, and the latter averages $5,991. 

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.