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The 5 Best Home Care Agencies for Seniors in Bismarck, ND for 2024

Bismarck, the capital of North Dakota, is a relatively small city of about 74,100 residents, 17.3% of which are seniors aged 65 years or older, a figure slightly higher than the national average of 16.8%. Seniors and other Bismarck residents appreciate the relatively low cost of living in the city. While a bit higher than the state cost, Bismarck’s cost of living falls below the national average — and the costs of health care, transportation, and utilities are quite low. Crime rates in Bismarck are mixed, with violent crime coming in significantly lower than the national average but property crime being a bit higher. Medical care is easily accessible at Sanford Medical Center and the CHI St. Alexius Health Bismarck Medical Center.

According to the 2021 Genworth Cost of Care Survey, home care costs in Bismarck are higher than the national average, coming in at $7,823. This type of care doesn’t include light medical services, which are provided by home health care.

Below we’ve compiled a comprehensive directory of every home care provider in Bismarck– 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.

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Home Care Agencies in Bismarck, ND

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Paying for Home Care in Bismarck, ND

The Cost of Home Care in Bismarck, ND

The 2021 Genworth Cost of Care Survey reveals that Bismarck’s home care prices are quite high when compared to the state and national averages, and to other North Dakota cities. Bismarck’s costs run about $2,866 above the national average and come in about $2,134 above the North Dakota average. Seniors in cities to the east, including Fargo, Grand Forks and Valley City, pay about the state average, much less than their counterparts in Bismarck. Minot’s rates run equivalent to those of Bismarck, however.

Bismarck

$7,823

North Dakota

$5,689

United States

$4,957

Fargo

$5,690

Grand Forks

$5,690

Minot

$7,823

Valley City

$5,690

The Cost of Home Care vs. Other Senior Care Options in Bismarck, ND

Bismarck’s home care costs run higher than most other care options in the city. Assisted living is the least expensive choice, coming in at over $4,000 less than home care. Adult day programs are also cheaper than home care by about $2,500 but do require travel and lack in-home support and assistance. Home health care costs are equivalent to home care prices, but they offer additional medical services, such as physical therapy and vital sign checks. Skilled nursing care remains the most expensive option, but may be necessary for seniors with severe health problems.

Home Care

$7,823

Home Health Care

$7,823

Adult Day Health Care

$5,287

Assisted Living

$3,710

Nursing Home Facility (semiprivate room)

$10,342

Financial Assistance for Home Care in Bismarck, ND

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.

Bismarck 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 Bismarck:

ResourceContactAddressService
Weatherization Assistance Program(701) 665-44961600 E. Century Avenue, Suite 2, Bismarck, ND 58503This program is funded by the Department of Energy and the state of North Dakota. The program aims to assist low-income households in reducing their energy expenditure by increasing the energy efficiency of their property. Priority is given to households with seniors and young children. Services offered by the program may include attic and wall insulation, installation of storm windows, building repairs and repairs or replacements of furnaces. All services are provided free of charge.
Low Income Home Energy Assistance Program(701) 328-2332600 E. Boulevard Avenue, Department 325, Bismarck, ND 58505This program helps eligible low-income households with heating costs. The program covers emergency payment assistance, chimney cleaning and inspection and furnace cleaning or repairs. In addition, it partially funds the household’s costs for fuels such as propane, coal, wood, electricity and natural gas. 
Bismarck Senior Center(701) 255-4648315 N. 20th Street, Bismarck, ND 58501The Bismarck Senior Center hosts the Burleigh County Senior Adults Program, which offers several free services to seniors in the area. Services include meals at congregate sites, home-delivered meals, outreach services and health maintenance services. Seniors who can get to the center can enjoy various activities, including exercise classes, musical entertainment, book clubs, games nights and movies. 
Lifespan Respite Care Grant Service1-855-462-54651237 W. Divide Avenue, Suite 6, Bismarck, ND 58501The Lifespan Respite Care Grant Service provides funding for urgent respite care for seniors and children with special needs. The need for these services may result from a number of emergency situations such as caregiver illness, caregiver abuse, death of a caregiver or the risk of employment loss for the caregiver. Each situation is assessed before funds are released to the nominated care provider. 

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 – oftentimes 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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