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

Westchester County is located in the Hudson Valley just north of New York City. It has a low crime rate and a high climate comfort index when compared to the rest of the state. The U.S. Census reports a county population of 997,000 — 17% of whom are seniors, which is roughly on par with the national rate. Westchester county is home to numerous notable hospitals that give great medical support to its elderly residents, including Westchester Medical Center.

Home care costs $5,148 per month in Westchester County, according to the 2021 Genworth Cost of Care Survey. It should not be confused with home health care, which includes some additional medical services.

Below we’ve compiled a comprehensive directory of every home care provider in Westchester County– 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 Westchester County, NY

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Paying for Home Care in Westchester County, NY

The Cost of Home Care in Westchester County, NY

On average, the cost of home care in Westchester County is $5,148 a month, which is higher than the national average of $4,957 but lower than the New York State average. Prices across the rest of the state vary. Watertown in the north and Buffalo to the west have prices of $4,862 and $4,957, respectively. Both locations are lower than Westchester County, while Syracuse and Rochester have higher prices.

Westchester County

$5,148

New York

$5,339

The United States

$4,957

Watertown Area

$4,862

Syracuse Area

$5,911

Buffalo

$4,957

Rochester

$5,720

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

In Westchester County, the most expensive type of senior care is a semiprivate room in a nursing home, which averages around $8,289 more than home care. The least expensive type of care is adult day health care, which may not be appropriate for all seniors. These programs cost $3,880 less than home care. Both home health care, which includes minor medical services like physical therapy, and assisted living cost more than home care.

Home Care

$5,148

Home Health Care

$5,577

Adult Day Care

$1,268

Assisted Living

$5,269

Nursing Home Care (semiprivate room)

$13,437

Financial Assistance for Home Care in Westchester County, 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.

Westchester County Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Westchester County:

ResourceContactAddressService
RideConnect(914) 242-743375 Route 35, Suite 6S-5, Katonah, NY 10536RideConnect, a Family Services of Westchester initiative, provides free transportation services to residents aged 60 and over throughout Westchester and southern Putnam Counties. Volunteers take seniors to medical appointments, shopping and other excursions. This program also offers The Weekly Shopper, a free 11-person bus service transporting residents on weekly or semiweekly shopping trips. RideConnect provides information on other transportation providers, including volunteer organizations, discounted taxi services and public bus and train schedules. 
DOROT(212) 769-2850171 W 85th St., New York, NY 10024Federally and state-funded DOROT provides creative in-home programs for Westchester County seniors aged 60 and older. DOROT matches volunteers with participants based on geographic proximity and shared interests for weekly or monthly visits. Three times a year, nearly 100 seniors receive special holiday packages and hour-long visits from volunteers. This program also offers Shabbat Shalom at Home four times a year. Other interactive opportunities include:
Livable Communities(914) 995-2000148 Martine Ave., White Plains, NY 10601Westchester County’s volunteer-run Livable Communities has nine regional sites and aims to help seniors aged 55 and older remain independent and engaged. This program features award-winning supports, such as caregiver coaching and health management resources. Its Care Circles of Westchester initiative empowers caregivers to coordinate services not provided by public funds, including:
Weatherization Referral Assistance Program (WRAP)(914) 813-6300148 Martine Ave., White Plains, NY 10601Through Westchester County’s Department of Senior Programs and Services, WRAP provides up to $5,000 per household to help needy seniors aged 60 and older make their homes more energy-efficient. Energy-related repairs include:
Nutrition Program(914) 995-2000148 Martine Ave., White Plains, NY 10601Westchester County’s Nutrition Program brings meals to area residents aged 60 and older. Approved nutrition centers distribute hot meals five or more days each week, and eligible homebound seniors receive meals at home. Participants must register in advance, and a small donation is requested. In addition to hot lunches, seniors have access to nutrition counseling and medical nutrition therapy.

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
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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