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The 10 Best Home Care Agencies for Seniors in Charlotte, NC for 2024

Last Updated: June 5, 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 Charlotte, NC, residents and their loved ones rate In Home Care agencies 4.79 out of 5 stars across the 94 options below.

Home Care Agencies in Charlotte, NC

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Paying for Home Care in Charlotte, NC

The Cost of Home Care in Charlotte, NC

The monthly cost for full-time home care in Charlotte is $4,668, according to Genworth’s 2021 Cost of Care Survey. This is less than the national average of $4,957 but more than the state average of $4,385. In nearby Hickory and Fayetteville, the cost is $4,099 and $4,004 per month, respectively, while seniors in Winston pay around $3,909. Asheville has one of the highest costs for home care in nearby cities with a monthly average of $4,957.

Charlotte

$4,668

North Carolina

$4,385

The United States

$4,957

Hickory

$4,099

Asheville

$4,957

Winston Area

$3,909

Fayetteville

$4,004

The Cost of Home Care vs. Other Senior Care Options in Charlotte, NC

Long-term care costs vary greatly in Charlotte, from $1,192 per month for adult day care to $7,756 per month for a semiprivate room in a nursing home. Assisted living in a mid-range residential care option costs $4,400 per month. Home care is around $4,668, and home health care is slightly more at $4,767.

Home Care

$4,668

Home Health Care

$4,767

Adult Day Health Care

$1,192

Assisted Living

$4,400

Nursing Home Care (semiprivate room)

$7,756

Financial Assistance for Home Care in Charlotte, NC

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 Charlotte, NC

Local organizations are available to provide help to seniors in the Charlotte area. These resources address a wide variety of needs and make it easier for seniors to remain in their homes as long as possible.

ResourceContactService
Homeownership Rehabilitation(704) 336-7600The Homeowner Rehabilitation program helps seniors and low-income residents make emergency home repairs. The program pairs with nonprofit organizations to address lead paint issues, repair leaky roofs, rotting floors and walls and replace broken doors and windows. The program addresses issues that affect the health and safety of the home.
Mecklenburg County Crisis Intervention Program (CIP)(704) 336-3000The CIP helps provide financial assistance to seniors and families facing disconnection of their utility bills due to nonpayment. Assistance is available all year, but funds for the program are limited. Applicants must meet specific income limits and be listed as the account holder on the utility bill.
North Carolina Weatherization Assistance Program (WAP)(877) 623-6748The North Carolina WAP helps seniors with limited incomes save money on their utility bills by making needed home upgrades and repairs. This includes replacing older HVAC units and water heaters, installing low-flow showers, replacing leaky windows and caulking thresholds. The program also provides smoke and carbon monoxide detectors to needy families and can help with roof repairs.
Friendship Trays Meals on Wheels of Charlotte(704) 333-9229Friendship Trays is a local Meals on Wheels program in Charlotte that helps address hunger. The program provides daily meals, groceries, and companionship for seniors who cannot obtain food on their own or prepare their meals.
Charlotte Elderly Property Tax Exemptions(980) 314-4226The Charlotte Elderly Property Tax Exemption program helps lower the tax liability for low-income seniors ages 65 and older within the city limits. The program provides a $25,000 or 50% exclusion, whichever is greater.

Charlotte 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 Charlotte:

NCDHHS Aging and Adult Services

Address: 2011 Mail Service Center, Raleigh, NC 27699-2101
Phone Number: (919) 855-3400

North Carolina Department of Health and Human Services strives to facilitate independence and enhance the process of aging through a community-based system of services, opportunities, protections, and benefits. Seniors, families and caregivers can find numerous options to develop care plans to help seniors remain independent and various ways to help when it is time to move toward assisted living.

Centralina Area Agency on Aging

Address: 9815 David Taylor Dr., Charlotte, NC 28262
Phone Number: (704) 0372-2416

Centralina AAA is committed to helping people with disabilities and older adults reside in their communities independently and with dignity. Centralina AAA offers programs to help individuals using both families and agency services and support. Services include adult day care/health, caregiver support services, home-delivered meals, housing and home improvement, information and options counseling, in-home aides, legal assistance, lunch bunch/group meals, senior centers and transportation.

Charlotte Senior Centers

Shamrock Senior Center

Address: 320 Shamrock Drive, Charlotte, NC 28215
Phone Number: (980) 314-1175

Tyvola Senior Center

Address: 2225 Tyvola Road, Charlotte, NC 28215
Phone Number: (980) 314-1320                            

Charlotte’s senior centers provide an array of programs designed to improve cognitive and physical health, widen senior’s support systems and provide assistance finding services to help them remain independent. The centers utilize the nationally recognized Health Promotion/Disease Prevention programs to design classes, including exercise opportunities, health programs and education programs.

Aging in Place

Address: Housing & Neighborhood Services, 600 East Trade Street, Charlotte, NC 28202
Phone Number: (704) 336-3380

Aging in Place is an innovative program developed by the City of Charlotte to help senior homeowners continue living in their own homes independently and comfortably, despite age, income, or ability.  Low-income/moderate-income senior homeowners have the opportunity to age in place” with the assistance of grants through an easy application process.

Low Income Energy Assistance Program

Address: Valerie C. Woodard Center Suite 1800, 3205 Freedom Drive, Charlotte, NC 28208
Phone Number: (704) 432-1111

The Mecklenburg County Department of Social Services helps eligible households through the Low Income Energy Assistance Program (LIEAP). LIEAP is a federally funded program that provides a one-time direct vendor payment of $300, $400 or $500 to prevent disconnection or account delinquency of electricity.

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

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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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