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

New Rochelle is a suburb of New York City that’s home to a larger percentage of seniors than average, with 17.4% of its 81,000 residents aged 65 and over as of 2021. The relatively low crime rates and high number of physicians per person are partly responsible for New Rochelle’s popularity among older residents. Home care for seniors costs an average of $5,529 per month, and the addition of light medical care provided by licensed personnel raises the cost by $191 per month. There are dozens of hospitals near New Rochelle, including Montefiore Medical Center, which is ranked among the top 50 nationwide for geriatrics, cancer, cardiology and other specialties that benefit the senior population.

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

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Home Care Agencies in New Rochelle, NY

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Paying for Home Care in New Rochelle, NY

The Cost of Home Care in New Rochelle, NY

As reported in the Genworth Financial 2021 Cost of Care Survey, seniors in New Rochelle pay 3.5% more than the state average and 11.5% more than the national average for in-home care. The cost in Poughkeepsie is identical to the state average of $5,339 per month, while Kingston and Albany share an average cost of $5,148 per month.

New Rochelle

$5,529

New York

$5,339

The United States

$4,957

Poughkeepsie

$5,339

Kingston

$5,148

Albany

$5,148

The Cost of Home Care vs. Other Senior Care Options in New Rochelle, NY

Based on the need for 44 hours of care per week, the cost of in-home care is just slightly below the average cost of assisted living, which is $5,750 per month. The additional services available via home health care, such as those provided by registered nurses and therapists, add $191 per month to the cost. Adult day health care is the most affordable option, with costs lowered by an average of $3,579 per month. Nursing homes are significantly more expensive and add almost $7,000 to monthly care costs.

Home Care Services

$5,529

Home Health Aide

$5,720

Adult Day Health Care

$1,950

Assisted Living Facility

$5,750

Nursing Home Facility (semiprivate room)

$12,471

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

Financial Assistance for Home Care in New Rochelle, 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 New Rochelle, NY

Local agencies and nonprofits in New Rochelle can provide a wide range of free and low-cost services designed to help seniors remain independent. These services include help around the house and paying bills, accessibility modifications and transportation for shopping and appointments. Some programs are dedicated to helping low-income residents, while many are available to all seniors.

ResourceContactService
New Rochelle Office for the Aging(914) 235-2363The city provides free services to seniors and family members, such as transportation, meals, recreational opportunities and referrals to other providers in and around New Rochelle. Seniors may call or visit the office at 94 Davis Avenue during regular business hours.
Meals on Wheels of New Rochelle (MOWNR)(914) 576-3865MOWNR provides home-delivered meals to seniors who can't shop or prepare their own meals, as well as people of any age who are transitioning out of the hospital or rehabilitative care. Applications for the service can be submitted online or by phone.
Senior Clubs and CentersSee websiteNew Rochelle and the wider region are home to many clubs and centers for senior residents to visit on a daily basis or for scheduled events. The Westchester County government maintains this listing with contact details for each location.
Westchester County ParaTransit(914) 995-2960People with disabilities who can't use the regular fixed-route bus service may be eligible for the ParaTransit program in Westchester County. This service provides curb-to-curb transportation to locations within Westchester County.
Benefits Enrollment Center(914) 527-1933The WestCOP Benefits Enrollment Center helps low-income seniors who are eligible for Medicare apply for benefits programs. These benefits may include Medicare Part D, Medicaid, SNAP and home energy assistance (LIHEAP).

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.

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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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