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

According to Genworth’s Cost of Care Survey, home care costs $4,668 per month on average in Huntersville, which is $283 more than the state average. However, it's still $289‬ cheaper than the national average. Seniors can also save money by considering other cities throughout the state. New Bern is one of the most affordable locations, averaging $3,813 per month, while Fayetteville is $664 cheaper than Huntersville despite being one of North Carolina's most populous cities. Raleigh is $289 more expensive, making it one of the most expensive cities in the state.

Assisted living in Huntersville, which is similar to in-home care but provided in a community environment, averages $268 less than home care. Home health care, however, is $99 more expensive but is typically provided by licensed nurses and therapists and includes medical treatments. Adult day health care is a highly affordable option for seniors with lower care requirements, offering savings of up to $3,476 monthly, while nursing homes are very expensive, averaging $3,088‬ more than home 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.