The 10 Best In-Home Care Services for Seniors in Cincinnati, OH for 2023

Cincinnati, Ohio is one of America’s great cities and one of the country’s best places to retire according to the 2019 Caring Senior Living Report. With world-class museums, hometown sports teams like baseball’s legendary Cincinnati Reds, and many perks for the over-65 set, seniors moving to the Queen City will feel valued and engaged.

According to the 2020 Genworth Cost of Care Survey, Cincinnati residents pay an average of $5,148 per month for home care services.  Home care refers to in-home non-medical assistance with meals, grooming and daily tasks. Seniors with more advanced medical needs should be reassured that Cincinnati ranks third in the state overall for health care. Residents have better than national average access to a primary care physician and benefit from geriatric facilities such as the Christ Hospital Health Network and its highly regarded Health and Aging Center.

Below we’ve compiled a comprehensive directory of every home care provider in the Cincinnati, OH 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. 

In the Cincinnati area, home care costs are only $191 higher than the national and state average of $4,957. Costs are even lower than in other large cities such as Dayton, where average costs are $5,434 per month, and Cleveland at $5,196. The highest in-home care costs in the state are in nearby Columbus at $5,625. The lowest state average is in Akron at $4,052 per month.

The average cost of in-home care in Cincinnati, OH is $5,148. This includes regular assistance with meals, grooming and daily chores. In-home health care that involves medical or therapeutic care involving professionals, such as wound dressing and medication management also averages $5,148 monthly. Adult day health care, in which the resident generally leaves the home for supervised care elsewhere, costs an average of $1,690 monthly. Assisted living in a facility costs less than in-home care at $4,666 monthly, while nursing home care, which provides the most substantial amount of support, costs an average of $7,848 monthly in a semi-private room.

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.