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The 10 Best Home Care Agencies for Seniors in Fargo, ND for 2024

Recognized as the best city to retire in North Dakota and ranking 28th among the country’s most senior-friendly cities according to Caring’s 2022 Senior Living Report, Fargo benefits retirees with overall affordability, good air quality and accessible health care. Nearly 13% or over 12,000 of the residents are aged 65+. Fargo’s smooth traffic makes it easy for seniors to get to senior centers, churches, downtown establishments and high-performing medical facilities such as Sanford Medical Center FargoEssentia Health-Fargo and Fargo VA Medical Center. Seniors opting for in-home care in the Peace Garden State’s largest city can expect to spend $5,690 per month, according to Genworth Financial’s 2021 Cost of Care Survey.

Below we’ve compiled a comprehensive directory of every home care provider in the Fargo area – 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 Fargo, ND

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Paying for Home Care in Fargo, ND

The Cost of Home Care in Fargo, ND

Fargo’s average home care cost of $5,690 per month is virtually on par with the North Dakota median, according to Genworth Financial’s 2021 Cost of Care Survey. This estimate is also identical to Grand Forks and around $700 more than the U.S. average, which is $4,957. Both Fargo and Grand Forks are considered average-priced compared to Bismarck at $7,823, which costs seniors over $2,100 more per month. In North Dakota’s neighboring states, St. Cloud in Minnesota and Sioux Falls in South Dakota have home care costs over $6,000 and are more expensive than Fargo by around $300-$400.

Fargo

$5,690

North Dakota

$5,689

The United States

$4,957

Grand Forks

$5,690

Bismarck

$7,823

St. Cloud, MN

$6,038

Sioux Falls, SD

$6,101

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

Both home care and home health care in Fargo have comparable costs at $5,690 per month, with the latter option having some form of clinical support such as intermittent nursing care. Assisted living is considerably cheap at $3,840, as it already covers 24-hour supervision and monthly room and board. Seniors in need of 24/7 institutional care can expect to pay $11,693 monthly for semiprivate room nursing home care.

Home Care

$5,690

Home Health Care

$5,690

Assisted Living

$3,840

Nursing Home Care (semiprivate room)

$11,693

Financial Assistance for Home Care in Fargo, 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.

Free & Low-Cost Home Care Resources in Fargo, ND

In-home services and supports are easily accessible to Fargo seniors, thanks to the city’s senior-centered services and Cass County’s comprehensive programs that support aging in place. Fargo seniors and caregivers may approach the below resources for information and referrals, and to apply for various social services.

ResourceContactService
Cass County Adult Services Division(855) 462-5465The Adult Services Division of Cass County administers a wide range of home and community-based services, including various in-home supports such as personal attendant care, homemaking, chore services and respite care. Aside from serving the elderly, frail, physically/mentally ill, disabled and cognitively impaired adults, this division also facilitates caregiver support through the family home care program.
Valley Senior Services(701) 293-1440Locally administering Older Americans Act programs in the Fargo area, Valley Senior Services delivers Meals on Wheels to eligible homebound seniors aged 60+, provides metro senior ride services and facilitates senior center programs. Its resource specialists can provide one-on-one assistance with in-home supports and other long-term care options, care coordination and caregiver resources. Valley Senior Services also assists eligible seniors with Medicare Part D enrollments.
Cass County Economic Assistance Division(701) 241-5761The Economic Assistance Division of Cass County accepts applications for LIHEAP (Low Income Home Energy Assistance Program), which helps eligible low-income home dwellers pay for heating costs. Once Fargo seniors are qualified for LIHEAP, they are also likely qualified for other social programs administered by the local Community Action Agency.
Southeastern North Dakota Community Action Agency(701) 232-2452SENDCAA administers a wide range of social programs that greatly benefit homebound seniors who are qualified for LIHEAP. These include the Weatherization Assistance Program for energy-efficient home modifications, the Cooling Assistance Program for seniors aged 60+ who have a medical need for cooling, and emergency repairs and replacements of furnaces and water heaters. SENDCAA also facilitates the Commodity Supplemental Food Program (CSFP), which supplies seniors 60+ with groceries bimonthly.
Fargo Assessor's Office - Residential Tax Exemptions(701) 241-1340Low-income senior citizens aged 65+ and permanently disabled homeowners may qualify for reduced property taxes through Fargo’s Homestead Tax Credit Program. The City of Fargo also has a Disabled Veteran's Tax Credit Program for honorably discharged homeowner vets who have an at least 50% service-connected disability. Property tax exemptions are also available to blind and wheelchair-bound homeowners, as well as for those with old homes that need to be remodeled.

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

Frequently Asked Questions

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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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