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The 10 Best Home Care Agencies for Seniors in Wilmington, 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 Wilmington, NC, residents and their loved ones rate In Home Care agencies 4.8 out of 5 stars across the 23 options below.

Home Care Agencies in Wilmington, NC

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Paying for Home Care in Wilmington, NC

The Cost of Home Care in Wilmington, NC

The cost of monthly home care services in the Wilmington area is slightly higher than the state average, but lower than the national average and the average in other areas like Charlotte and Durham. The lowest average monthly cost of home care appears to be in cities such as New Bern, Winston-Salem and Greenville.

Wilmington

$4,576

North Carolina

$4,385

The United States

$4,957

Charlotte

$4,668

Durham

$4,767

New Bern

$3,813

Winston-Salem

$3,909

Greenville

$4,004

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

The cost for home care in the Wilmington area average slightly less than hiring a home health aide, but far more than adult day health care. An assisted living community is a moderate price increase per month, while a semiprivate room in a skilled nursing setting can cost several thousands more each month.

Home Care

$4,576

Home Health Care

$4,767

Adult Day Care

$1,289

Assisted Living

$5,254

Nursing Home Care (semiprivate room)

$6,844

Financial Assistance for Home Care in Wilmington, 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.

Wilmington 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 Wilmington:

ResourceContactAddressService
Plantation Village, Inc(910) 686-71811200 Porters Neck Rd, Wilmington, NC 28411Plantation Village is a nonprofit retirement community which aims to give seniors security while maintaining their joy for life. It provides housing, support services, health care, and financial security to seniors.
North Carolina Weatherization Assistance Program(877) 623-6748217 West Jones Street, Raleigh, NC, 27603The Weatherization Assistance Program helps low-income seniors to save energy, reduce their utility bills, and stay safe in their homes by making home improvements. Services can include replacing heating equipment and installing floor insulation. To be eligible seniors need incomes that are below 200 percent of the federal poverty guidelines.
Weekend Meals on Wheels, Inc(910) 612-0676PO Box 3593, Wilmington, NC 28406Weekend Meals on Wheels provides nutritious meals and social interactions to seniors on weekends. To be eligible seniors must be 60 years or older and homebound. It particularly focuses on at risk seniors who are frail or live with chronic health conditions and don’t have the ability or resources to prepare food.
Low Income Home Energy Assistance Program(866) 674-63271050 Umstead, Dr, Raleigh, NC 27603Low Income Home Energy Assistance Program (LIHEAP) assists low income seniors with their home energy costs.  To qualify for this program, you must need financial assistance for home energy costs. Assistance includes bill payment assistance and energy-related home repairs.
Wilmington Area Rebuilding Ministry(910) 399-75635058 Wrightsville Avenue, Wilmington, NC, 28403WARM serves low-income homeowners, including many elderly people. It assists with home repair and rebuild work to ensure residents can live safely and independently. Services include roof rebuilds, window replacement and wheelchair ramp construction.

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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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

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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