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

Lillington, NC, is a small town of approximately 4,700 people, 13.3% of whom are seniors aged 65 and older. Located along the Cape Fear River, this little city offers beautiful natural views and specialty shops that appeal to people of diverse interests. Lillington’s senior community may appreciate the city’s low cost of living and good water and air quality. The town is served by Central Harnett Hospital, which offers primary and emergency care and many specialties. Seniors who need extra help but prefer to remain in their own homes may choose to schedule home care services for approximately $4,004 per month. For the same price, home health care is another good option for those who require light medical care.

Below we've compiled a comprehensive directory of every home care provider in the Lillington 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 the Genworth 2021 Cost of Care Survey, Lillington’s seniors pay approximately $4,004 per month for home care. This is low compared to the North Carolina and U.S. averages, which run $4,385 and $4,957, respectively. Many North Carolina cities also show higher home care rates than Lillington. Greensboro’s prices are $191 higher, and Raleigh’s costs run $953 higher. Other cities that are costlier than Lillington include Wilmington at $4,576 and Charlotte at $4,668.

Home care can be a great option for seniors who want to remain in their own homes. Those who need light medical services from nurses or therapists can choose home health care for around the same price. Adult day programming is less expensive at $867, but it does not include the same level of care. Assisted living is also cheaper by over $1,000 but does require a move. Nursing home care is the most expensive option at $6,722 and is designed for people who need comprehensive 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.