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

Amelia is a small community located in southwest Ohio less than 30 minutes from downtown Cincinnati. Of the city’s more than 12,500 residents, 13.1% are aged 65 and over. The city offers several highly rated nearby hospitals, including Mercy Health – Clermont Hospital, Mercy Health – Anderson Hospital and TriHealth Hospital. According to the Genworth 2021 Cost of Care Survey, seniors pay an average of $5,148 per month for home care services, which is more than $2,700 lower than the national average. While home care concentrates on help with daily activities such as housekeeping and feeding, home health care also offers skilled nursing and other basic medical help.

Below we’ve compiled a comprehensive directory of every home care provider in Amelia– complete with services offered and reviews from families who’ve actually used the service.

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Home Care Agencies in Amelia, OH

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Paying for Home Care in Amelia, OH

The Cost of Home Care in Amelia, OH

Home care costs in Amelia average $5,148 per month, which is substantially lower than both the national average and the state average. Compared to other cities in the state, Amelia’s home care costs fall right in the middle. While home care costs are slightly higher in the state capital of Columbus and surrounding cities, such as Dayton, these rates are less expensive when traveling further north into cities, such as Toledo and Akron.

Cincinnati

$5,148

Ohio

$7,300

The United States

$7,908

Columbus

$5,625

Dayton

$5,434

Toledo

$4,957

Akron

$4,052

The Cost of Home Care vs. Other Senior Care Options in Amelia, OH

Average monthly home care costs in Amelia are exactly the same as home health care services. However, average home care costs are $482 per month more expensive than assisted living and $2,700 lower than average nursing home costs per month. Adult day care is the most affordable senior care option, averaging nearly $3,450 less per month than home care services. However, it’s important to note that adult day care has limited service hours, and seniors must have transportation to and from the center.

Home Care

$5,148

Home Health Care

$5,148

Adult Day Care

$1,690

Assisted Living Facility

$4,666

Nursing Home Care

$7,848

Note: Data for Amelia was unavailable, so data for the nearest city, Cincinnati, was used instead.

Financial Assistance for Home Care in Amelia, OH

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.

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 in-home care
Checklist for determining the need for in-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
Checklist for determining the need for home care
Checklist for determining the need for home care
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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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