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

Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Rochester, NY, residents and their loved ones rate In Home Care agencies 4.6 out of 5 stars across the 25 options below.

Home Care Services in Rochester, New York

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Paying for Home Care in Rochester, NY

The Cost of Home Care in Rochester, NY

The 2024 Genworth Cost of Care Survey reports monthly home care rates of approximately $5,815 in Rochester, with local fees tracking about $670 above the statewide norm and almost $100 over the national median. While local seniors pay about $1,620 per month more than home care clients in Utica, rates in Syracuse exceed the local median by roughly $1,400.

Rochester

$5,815

New York

$5,148

United States

$5,720

Buffalo

$4,576

Syracuse

$7,207

Utica

$4,195

Binghamton

$6,673

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

In Rochester, home care clients pay a baseline rate of around $5,815 per month for nonmedical care. By contrast, seniors who need skilled nursing services pay lower rates of about $5,529 for home health care, and assisted living residents pay approximately $5,333. However, nursing home rates significantly exceed home care costs at roughly $14,904 monthly.

Home Care

$5,815

Home Health Care

$5,529

Assisted Living Facility

$5,333

Nursing Home Care (semi-private room)

$14,904

Financial Assistance for Home Care in Rochester, 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 Rochester, NY

Older Rochester residents can seek assistance from several nonprofit and government agencies serving seniors in the area. Aging in place resources can help ensure seniors’ basic needs are met so they can avoid unnecessary institutionalization into a care facility. 

ResourceContactService
Expanded In-home Services for the Elderly Program (EISEP)(585) 506-3072The state of New York and Monroe County jointly funds the EISEP Community Collaboration program. This program ensures seniors receive the care they need at home to help them avoid having to move to a nursing home. Eligible seniors are appointed a case manager who can help them access the services they need.
The Home Energy Assistance Program (HEAP)(585) 244-8400, ext. 102HEAP is a financial assistance benefit that helps low-income older adults afford their energy bills. Seniors might be able to receive help with paying for their utilities. Homeowners may also benefit from additional assistance in repairing heating equipment such as furnaces.
Lifespan In-Home Financial Management(585) 244-8400This Lifespan program can help older adults stay on top of their financial obligations. Volunteer financial advisors visit seniors in their homes to help them manage their benefits and budget for bills, medical insurance and other living costs.
The Monroe County Office for the Aging Meals at Home Program(585) 787-8397Meals at Home is a Monroe County Office for the Aging program delivered by UR Medicine Home Care. Seniors age 60+ can request low-cost home-delivered meals when homebound and unable to prepare their own food due to health conditions.
City of Rochester Housing Rehabilitation Programs(585) 428-6963The City of Rochester runs several programs that can help older residents stay on top of their home maintenance. Help comes in the form of an interest-free loan that can cover small repair work such as installing wheelchair ramps, repairing appliances and roof repair.

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 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

Frequently Asked Questions

Reviews of Care Providers Nearby

Home Care

Mary P_46

I am a current client of this provider

Review of Touching Hearts at Home of Rochester

She wouldn't be able to stay at home without them. The caregivers they sent to my mom were excellent and always on time.

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Home Care

Maria &_3

I am a current client of this provider

Review of Touching Hearts at Home of Rochester

My mother has been impressed with her caregiver from the past 2 weeks. I like they are thorough in what they're able to provide.

Read more

Home Care

Eleanor M_8

I am a current client of this provider

Review of Touching Hearts at Home of Rochester

The provider listens to the begging, and now I have someone regular now. The agency caregivers come on time and sees things I need done without having to ask.

Read more

In Home Care near Rochester, NY

PittsfordEast RochesterHenriettaGreecePenfieldWest Henrietta

Other Options in Rochester, NY

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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

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