The 5 Best Home Care Agencies for Seniors in Addyston, OH for 2024

Ranked as one of the best places to retire in Caring’s 2019 Senior Living report, Addyston, Ohio, offers small-town charm within easy reach of Cincinnati’s plentiful amenities. The 2021 Genworth Cost of Care Survey reports that persons living in this area pay an average of $5,148 per month for home care services, which differs from home health care as it doesn’t involve medical services.  Within a short distance from Addyston, residents can access one of three Dedicated Senior Medical Center offices, which offer acute care, radiology, and even door-to-doctor transportation. Christ Hospital, less than 15 minutes away, has consistently been rated the top hospital in Cincinnati and the fifth best in the state by US News & World Report.

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

The monthly costs for home care in Addyston, which shares its costs with nearby Cincinnati, are higher than the state and national average prices by $191, while costs in Dayton exceed Addyston’s by $286 per month. Northeast of Addyston, Toledo offers more affordable prices. North of Addyston in Columbus, senior home care tends to be more expensive. Seniors living in northeastern Akron pay some of the lowest average monthly prices for in-home care services in Ohio.

Home care and home health care have the same average monthly costs, although a home health aide can also provide medical services, such as wound care and therapeutic assistance, that a home care provider cannot. Assisted living is less expensive by $482 per month, and skilled nursing is the most expensive. Another option to consider is an adult day care center, which is thousands of dollars less per month than home care or assisted living and often provides seniors with a variety of organized activities, meals and some medical oversight, although travel to a community center is involved. 

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.