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The 10 Best Home Care Agencies for Seniors in Monroe, 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 Monroe, NC, residents and their loved ones rate In Home Care agencies 4.75 out of 5 stars across the 19 options below.

Home Care Agencies in Monroe, NC

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Paying for Home Care in Monroe, NC

The Cost of Home Care in Monroe, NC

According to the Genworth Cost of Care Survey 2021, the average senior in Monroe pays $4,668 per month for home care services. This is around $300 less than the national median. However, it is higher than the North Carolina average of $4,385. Care costs are significantly lower in the nearby cities of Fayetteville, Hickory and Goldsboro. The only city in the state with higher monthly care costs is Raleigh, where seniors can expect to pay $4,957 per month.

Monroe

$4,668

North Carolina

$4,385

United States

$4,957

Fayetteville

$4,004

Hickory

$4,099

Goldsboro

$3,813

Raleigh

$4,957

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

Home care services in Monroe cost around $4,668 per month, while home health care services cost an average of $4,767. Home care provides assistance with the tasks of daily living, while home health care provides basic medical services such as pain management. Home health care is provided by registered nurses or therapists. Assisted living care is slightly cheaper at around $4,400 per month, while the cheapest option is adult day care. Nursing home care is over $3,000 more per month.

Home Care

$4,668

Home Health Care

$4,767

Adult Day Health Care

$1,192

Assisted Living Facility

$4,400

Nursing Home Facility (semiprivate room)

$7,756

Note: Data for Monroe was unavailable, so data for the nearest city, Charlotte, was used instead.

Financial Assistance for Home Care in Monroe, 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 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.

Monroe Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Monroe:

ResourceContactAddressService
Ellen Fitzgerald Senior Center(704) 282-5776327 S Hayne St, Monroe, NC 28112The Ellen Fitzgerald Senior Center is a 7,776 sq ft county-funded facility that offers a range of services for those 55 or older. At Ella Fitzgerald, senior adults can come together for social activities, exercise, classes and other helpful activities that are aimed at improving their quality of life. Workshops for computer learning, pottery, woodworking and other crafts hobbies are also available. The senior center offers a year-round roster of group activities and social events for elders as well.
Community Health Services of Union County(704) 296-09091338-C East Sunset Drive, Monroe, North Carolina, 28112Community Health Services of Union County offers health orientation and medical services, including basic health screenings and checkups, such as blood glucose tests, BMI testing and options for diabetes management. The organization also helps the uninsured of Union and Anson counties with their general medical needs.
Project CARE(704) 432-1111Mecklenburg County Department of Social Services, Wallace H. Kuralt Centre, 301 Billingsley Road. Charlotte, NC 28211Project CARE (Caregivers Alternatives to Running on Empty) is sponsored by the state of North Carolina and helps both elderly adults who suffer from Alzheimer’s or dementia and their caregivers. The project offers its own consultation service and information resources for seniors caregivers with these special needs, but it also handles referrals to other offices such as local Area Agencies on Aging or the Family Caregiver Support Program of the state. Funding of respite care for select individuals is also offered, subject to eligibility restrictions.
State-County Special Assistance, In Home (Help to Stay in Your Home)(704) 296-43002330 Concord Avenue Monroe, NC 28110The State/ County Special Assistance In-Home Program for Adults (SA/IH) helps elderly adults maintain their independence for as long as possible by offering cash subsidies to low-income elders who are in danger of being unable to care for themselves in their own home and could be placed in a nursing facility. The SA/IH’s financial supplements are dependent on income eligibility criteria and subject to a personal assessment by a representative from a potential client’s local department of social services.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs
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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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