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

China Grove is a small town of 4,456 people located 45 minutes south of Winston-Salem, North Carolina. This close-knit community sees an exceptionally low rate of violent crime that’s nearly 70% below the U.S. average and housing prices 40% below national averages. China Grove residents are close to Winston-Salem’s Atrium Health Wake Forest Baptist Medical Center, ranked as one of the top 10 hospitals in the state by U.S. News.

Home care in China Grove costs an average of $3,909 per month. This level of care is for adults who need physical assistance with basic activities such as preparing and eating food; seniors who need skilled medical supervision should look to home health care services.

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

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.  

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.

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.