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The 10 Best Home Care Agencies for Seniors in China Grove, 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 China Grove, NC, residents and their loved ones rate In Home Care agencies across the 14 options below.

Home Care Agencies in China Grove, NC

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Paying for Home Care in China Grove, NC

The Cost of Home Care in China Grove, NC

According to Genworth Financial’s annual Cost of Care Survey, the average monthly cost of home care in China Grove is $3,909. The North Carolina state average is roughly $475 higher at $4,385, and the U.S. average is higher still at $4,957. New Bern is home to North Carolina’s lowest home care costs at $3,813 per month, while Greenville’s costs are slightly higher than China Grove’s at $4,004 per month. State prices peak in the capital of Raleigh at $4,957.  

China Grove

$3,909

North Carolina

$4,385

The United States

$4,957

Raleigh

$4,957

Greenville

$4,004

New Bern

$3,813

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

Area seniors have a few other long-term care options to consider. Adult day health care is the cheapest at $1,354 a month. Home health care, which is similar to home care but tends to involve more robust medical services, shares home care’s monthly price of $3,909. Assisted living is approximately $1,000 more expensive at $4,923 monthly. There’s a significant price jump for a semiprivate room in a nursing room, which averages $8,197 a month.

Home Care

$3,909

Home Health Care

$3,909

Adult Day Health Care

$1,354

Assisted Living Facility

$4,923

Nursing Home Facility (semiprivate room)

$8,197

Note: Data for China Grove was unavailable, so data for the nearest city, Winston-Salem, was used instead. 

Financial Assistance for Home Care in China Grove, 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 China Grove, NC

The following resources can help China Grove seniors improve their quality of life through access to home upgrades, social groups, exercise classes and local transportation. Some services are provided by the local, state or federal government, while others are run by independent nonprofits. 

ResourceContactService
Meals on Wheels Rowan(704) 633-0352Homebound China Grove adults aged 60 and up can receive hot, low-cost meals delivered to their doors from this nonprofit organization. Low-income seniors may qualify for free service. Meals on Wheels also runs a grocery delivery program and an AniMEALS pet food initiative that helps homebound seniors get food and care for their animal companions.
NC RAMMP(919) 855-3500This loan program makes temporary portable ramps available to those who have trouble navigating steps or curbs, which can help seniors who must use assistive devices such as wheelchairs and walkers. Project representatives can provide a home inspection and in certain cases perform ramp installation and removal themselves; they can also help seniors who seek more permanent mobility upgrades.
Rufty-Holmes Senior Center(704) 216-7714Located about 10 minutes away from China Grove in nearby Salisbury, this meeting place for area seniors offers music and art lessons, exercise classes, computer clinics and book clubs. Its CARS transportation program connects seniors with drivers for curb-to-curb service throughout Rowan County.
North Carolina Weatherization Assistance Program(877) 623-6748Seniors living at home can take advantage of this program to save money on heating and cooling costs by making their homes more energy-efficient. Funding from this program can help contribute to or cover the cost of updating windows and doors, repairing roofing and replacing major appliances such as heaters.

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.

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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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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