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The 10 Best In-Home Care Services for Seniors in New York, NY for 2023

As one of the Caring.com Senior Living Report’s top 25 cities, New York, New York has many benefits for its senior population. Good air and water quality, low crime rates and excellent transportation accessibility are why many seniors retire to this vibrant city. For many seniors wishing to age in place, that may require home care. The 2021 Genworth Cost of Care Survey estimates a $5,529 monthly average cost for these services. Home health care, which adds basic medical care from licensed professionals, is about $200 more. Seniors who need additional medical care can visit Mount Sinai Hospital, the nation’s top hospital for geriatric care, or NYU Langone Hospital, the third-best in the nation.

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

Directory of In Home Care Services in New York, NY

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Paying for Home Care in New York, NY

The Cost of Home Care in New York, New York

New York City seniors who choose home care can expect to pay $5,529 a month for this service based on median cost data from the 2021 Genworth Cost of Care Survey. This is $200 more than the state’s average and $600 more than the national average. However, New York City doesn’t have the state’s highest average. That is found in Ithaca, which averages $6,101. The lowest average cost is Binghamton, at $4,814 a month. Kingston is closer to New York City’s average, at $5,148 a month.

New York City

$5,529

New York

$5,339

The United States

$4,957

Binghamton

$4,814

Kingston

$5,148

Ithaca

$6,101

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

Seniors in New York have multiple care options available to meet their individual needs. Home care costs an average of $5,529, but seniors who need medical services from a trained nurse or therapist will pay $5,720 a month for home health care. Adult day health care is the most affordable option at $1,950 and assisted living care costs are similar to home care, roughly $200 more. Nursing home care is the most costly at $12,471 monthly for a semiprivate room.

Home Care

$5,529

Home Health Care

$5,720

Adult Day Health

$1,950

Assisted Living

$5,750

Nursing Home Care (semiprivate room)

$12,471

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

Because it is such a large city, New York has a wide range of services for its older adults who are aging in place. Through government agencies and nonprofits, seniors can find help with transportation, home modification and repair, caregiver respite and meals to make their retirement years safer.

ResourceContactService
NYC Department for the Aging311NYC Department for the Aging offers in-home services for older adults. Case management helps coordinate services, including home-delivered meals, home care, long-term care counseling and a friendly visit program. If additional services are necessary, the case manager will provide the right referrals to ensure seniors and their families get the help they need.
NYFSC Home Repair and Safety Audit Program(212) 962-7655New York Foundation for Senior Citizens offers a free Home Repair and Safety Audit Program to help seniors stay safe and independent at home. The program provides seniors with free home repairs and offers home safety audits. In an audit, the home repair professional will check for safety hazards and correct them.
NYFSC Home Attendant Program(757) 727-8311Seniors eligible for Medicaid can request a home attendant through the NYFSC Home Attendant Program. The program is free to seniors and funded through Medicaid, Medicare and several other government organizations. This program promotes independence and provides senior care with staff who speak the senior’s native language.
Citymeals on Wheels(757) 727-6690Citymeals on Wheels provides home-delivered meals to homebound seniors who cannot make their own food. This service has several meal delivery options, including weekend and holiday delivery for those who need it most. It also has a mobile food pantry for seniors who can cook but cannot leave home to get groceries safely.

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.  

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

Frequently Asked Questions

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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

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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