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

Cedarville is a small city that is part of the Dayton Metropolitan Area. Around 8% of the residents of Cedarville, Ohio, are over 65. The town has accessible hospitals specializing in elderly health care, such as Springfield Regional Medical Center  and Greene Memorial Hospital. Additionally, Cedarville has an annual BestPlaces Comfort Index of 7.2 out of 10, meaning its climate is more comfortable than most cities in Ohio. According to the Genworth 2021 Cost of Care Survey, seniors in this city who need limited personal care pay $4,385 per month for home care services. For those who need home care aide or skilled nursing services, home health care is a better option.

Below we’ve compiled a comprehensive directory of every home care provider in Cedarville– 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 Cedarville, OH

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Paying for Home Care in Cedarville, OH

At $4,385, the monthly home care costs in Cedarville are affordable compared to the state and national average, which is $572 higher, per Genworth Financial’s 2021 Cost of Care Survey. Due to Cedarville’s proximity to Springfield, the city shares the capital’s average monthly home care cost of $4,385. The cost of living in Cedarville is lower than in neighboring cities such as Dayton. Across the border, Muncie, Indiana, has the same cost of living as Cedarville. Higher home care rates are found in Fort Wayne, Indiana, where the cost of home care is $5,339.

The Cost of Home Care in Cedarville, OH

Cedarville

$4,385

Ohio

$4,957

The United States

$4,957

Springfield

$4,385

Dayton

$5,434

Fort Wayne, IN

$5,339

Muncie, IN

$4,385

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

Average monthly home care costs in Cedarville are about $725 more than an assisted living facility and $4,000 less than skilled care in a nursing home. The cost of home health care is the same, but includes light medical services, such as wound care or physical and occupational therapy. 

Home Care

$4,385

Home Health Care

$4,385

Assisted Living

$3,660

Nursing Home Care (semiprivate room)

$7,574

Financial Assistance for Home Care in Cedarville, 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.

Cedarville 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 Cedarville:

ResourceContactAddressService
Greene County Council on Aging(937) 376-54861195 W 2nd Street, Xenia, OH 45385The CoA is a community organization that has services for seniors over 60 and their caregivers. The programs are free, and many help seniors find resources available to them for healthcare or government benefits. Case managers are on-site to assist with online applications, ensuring that those in need are able to join the programs they qualify for. For seniors who are able and wish to, the Council on Aging also has volunteer opportunities. 
Greater Dayton Housing Choice Voucher Program(937) 910-7500400 Wayne Avenue, Dayton, OH 45410The Greater Dayton Housing Choice Voucher Program offers low-cost housing to those who need it. As an income-based program, sponsored by the state, seniors, veterans, and the disabled get preferential placement on the waiting list. Proof of income and household size is needed. There are many different apartment communities to choose from, and older properties are often remodeled, making them accessible for those with mobility difficulties. 
Cedarville Community Food Pantry(937) 766-1291Cedarville United Presbyterian Church, 30 W Chillicothe Street, Cedarville, OH 45314This community food pantry is open on a limited basis and provides boxes of food to those in need. Proof of residency in the Cedarville area is required. The food pantry also has volunteer opportunities for seniors who desire to help.
Salvation Army Dayton Kroc Center(937) 528-51001000 N Keowee Street, Dayton, OH 45404Dayton Kroc Center is a large community center with special programs for seniors. Fitness classes are offered, as are educational and worship opportunities. The Prime Time for Seniors program helps seniors meet new friends and avoid isolation. The community center also provides assistance with bill pay, mostly utilities, and fuel costs in the winter. There are a food pantry and a thrift store with clothing and household items for sale for seniors on a budget. There are also volunteer opportunities in the Salvation Army for seniors who are capable and willing. 

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
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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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