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The 10 Best Home Care Agencies for Seniors in Lillington, 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 Lillington, NC, residents and their loved ones rate In Home Care agencies across the 15 options below.

Home Care Agencies in Lillington, NC

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Paying for Home Care in Lillington, NC

The Cost of Home Care in Lillington, NC

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.

Lillington

$4,004

North Carolina

$4,385

United States

$4,957

Charlotte

$4,668

Greensboro

$4,195

Raleigh

$4,957

Wilmington

$4,576

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

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.

Home Care

$4,004

Home Health Care

$4,004

Adult Day Health Care

$867

Assisted Living

$3,000

Nursing Home Care (semiprivate room)

$6,722

Note: Data for Lillington was unavailable, so data for the nearest city, Fayetteville, was used instead.

Financial Assistance for Home Care in Lillington, 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 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.

Frequently Asked Questions

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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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