The 10 Best Home Care Agencies for Seniors in Winston Salem, NC for 2025

Seniors have access to more affordable home care services in Winston Salem compared to the state of North Carolina, which costs about $400 more per month, as well as the national average. The cost of care in Raleigh is equivalent to the national average, and one of the highest rates in the state, which is $1,048 more than Winston Salem. Comparable monthly rates in Charlotte and the coastal city of Wilmington are around $730 greater than in Winston Salem, while rates in Greensboro are $300 higher.

Home care costs in Winston Salem are equivalent to home health care costs and about $1,000 less than an assisted living facility. Home health care is a good option for seniors who require skilled nursing care, such as medication administration or wound care, while assisted living works for older adults who are experiencing difficulty living alone. Adult day programs offer some of the most affordable monthly care rates but don’t provide home care assistance. Nursing home care with a semiprivate room costs double the monthly rate of home 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 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.