The Best Home Care Agencies for Seniors in Dunn, NC for 2025

Home care in Dunn costs an average of $4,004 per month, according to Genworth's 2021 Cost of Care Survey. This rate is significantly lower than the North Carolina average of $4,385 and the U.S. average of $4,957. It also comes in toward the bottom of the cost spectrum in relation to other North Carolina cities. Goldsboro's prices are lower by nearly $200, but Wilmington's home care providers charge over $570 more per month. Rates in Charlotte stand at $4,668, while Raleigh's prices climb to $4,957.

Seniors in Dunn have access to many senior care options, some of which are less expensive than home care. Adult day programs, for instance, run about $867 per month, while assisted living costs about $3,000. Home care and home health care are priced the same at $4,004, even though the latter includes services from licensed nurses and therapists. Nursing homes cost over $2,700 more than home health options, but residents require significantly more care.

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.