The 10 Best In Home Care Service in New Bern, NC for 2023
Located on a river near the North Carolina coast, New Bern is a charming riverfront city that’s rich in history. The community is home to more than 31,300 residents, 22.7% of whom are seniors aged 65 and older — more than the national rate of 16.8%. New Bern is a very affordable destination for seniors given a low cost of living. For medical services, seniors have access to world-class health care providers including the award-winning CarolinaEast Medical Center. According to Genworth’s 2021 Cost of Care Survey, New Bern seniors pay $3,813 monthly for home care services that provide daily assistance and help around the house. Seniors can also access home health care, which further includes light medical services.
Below we’ve compiled a comprehensive directory of every home care provider in New Bern– 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.
Directory of Home Care Services in New Bern, NC
Home Instead – New Bern, NC
3601 Trent Rd, Suite 4, New Bern, NC, 28562
HomeCare.com
7925 Jones Branch Dr., Suite LL 140, Mclean, VA, 22102
Home Helpers of the Crystal Coast
3332 Bridges St, Suite 5B , Morehead City, NC, 28557
Assisting At Home, LLC
3400 Trent Road, New Bern, NC, 28562
CarePartners (CLOSED)
2407 Grace Avenue, New Bern, NC, 28562
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Paying for Home Care in New Bern, NC
The Cost of Home Care in New Bern, NC
Seniors living in New Bern pay an average of $3,813 per month for in-home care services, which is over $1,140 less expensive than the U.S. national average. Rates are also more than $570 lower than the state median, making New Bern one of the most affordable regions in North Carolina. While nearby Goldsboro shares the same costs, other cities, such as Greenville and Jacksonville, are anywhere from $190-380 more expensive per month. However, these areas are still less expensive than Wilmington, where seniors can expect to pay about $760 more than they would in New Bern.
The Cost of Home Care vs. Other Senior Care Options in New Bern, NC
There are several other options for seniors to consider when making decisions about long-term care. Assisted living is around $168 less than home care. These facilities allow seniors to live in a social setting, and rates include residents’ room and board as well as meals and social programming. While home health care includes medical services in addition to the basic assistance included with home care, rates in New Bern are the same for both types of care. Individuals who need 24/7 care and supervision may opt for nursing home care, though rates are almost double that of home care.
Financial Assistance for Home Care in New Bern, 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.
New Bern 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 New Bern:
Craven Area Rural Transit System
Address: 2822 Neuse Boulevard, New Bern, NC 28562
Phone Number: (252) 636-4917
The Craven Area Rural Transit System is the regional public transit service for Craven County, which includes New Bern. The system operates fixed route and on-demand service using a fleet of 32 vehicles, some of which are ADA-compliant and accessible for riders who use mobility devices.
Seniors aged 65 and older qualify for half-priced fares on all CARTS routes.
Craven County Senior Activity Center
Address: 811 George Street, New Bern, NC 28560
Phone Number: (252) 638-1790
Open Monday through Friday from 8 a.m. to 5 p.m., the Craven County Senior Activity Center offers seniors a variety of free and low-cost programs and activities designed to promote socialization, health and community engagement. Activities include:
- Painting groups
- Organized bingo games
- Line dances
- Movie screenings
- Arts and crafts workshops
- Sewing and needle arts clubs
Seniors can also sign up for a number of county-sponsored health promotion programs geared toward those living with diabetes, arthritis, heart disease and other age-related conditions.
Craven County Home Delivered Meals
Address: 811 George Street, New Bern, NC 28560
Phone Number: (252) 638-1790
The Craven County Home Delivered Meals program provides free prepared meals to housebound seniors aged 60 and older. Meals are delivered every weekday morning between 9:30 and 10:30 a.m., and contain one-third of the daily nutrition required by a senior. Volunteer drivers distribute the meals as well as conduct brief wellness checks on each client.
Craven County Adult Services
Address: 406 Craven Street, New Bern, NC 28560-4971
Phone Number: (252) 636-6600
Craven County Adult Services provides a number of services to frail seniors who prefer to age in place in their own homes. Services are assigned on a case-by-case basis, and may include in-home aides, financial assistance and case management.
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.
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.
