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The 10 Best Home Care Agencies for Seniors in Cincinnati, OH for 2024

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. 

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Home Care Agencies in Cincinnati, OH

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Paying for Home Care in Cincinnati, OH

The Cost of Home Care in Cincinnati, OH

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.

Cincinnati

$5,148

Ohio

$4,957

The United States

$4,957

Dayton

$5,434

Columbus

$5,625

Akron

$4,052

Cleveland

$5,196

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

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.

Home Care

$5,148

Home Health Care

$5,148

Adult Day Health Care

$1,690

Assisted Living Facility

$4,666

Nursing Home Facility (semiprivate room)

$7,848

Financial Assistance for Home Care in Cincinnati, 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.

Free & Low-Cost Home Care Resources in Cincinnati, OH

Resources for seniors who wish to age in place but still need some level of in-home support can be found through the organizations listed below. Many of the services available to Cincinnati seniors are free or low-cost and easy to access within their neighborhood or online.

ResourceContactService
Elderly Services Program(513) 721-1025The Elderly Services Program helps older adults in the greater Cincinnati area remain safe and independent in their own homes. Run by the Council on Aging, the program provides senior home care services such as personal care, housekeeping, meals, and transportation to expand seniors' care from family and friends.
Cincinnati Area Senior Services(513)721-4330With a mission to deliver essential services that promote the independence of seniors, the program organizes Meals on Wheels service, transportation, pet support and more for Cincinnati resident seniors.
Senior Citizens of Ohio OnlineA one-stop resource center for seniors in Ohio, this non-profit provides information about events, services and links to local senior centers in Cincinnati neighborhoods and across the state.
The Golden Buckeye ProgramOnlineThe Ohio Department of Aging's Golden Buckeye program connects Ohio businesses with residents aged 60 and older. Golden Buckeye members get discounts, waived fees, free products or services, and more. The program also provides an online resource center of links and articles pertaining to senior care.
Central Ohio Area Agency on Aging1-800-589-7277This program connects seniors with a range of services such as financial help with housing and prescriptions. The Agency also publishes an Older Adults Resource Guide, available online or through the mail.
Home Ownership Center of Greater Cincinnati(513)961-2800In addition to offering senior homeowners counseling and educational resources, the Center offers low interest and deferred loans for major home improvements or retrofits for accessibility.
Catholic Charities of South Western Ohio(513)241-7745The Senior Companions program provides assistance to those in need of in-home support and care. Tax-exempt stipends and travel reimbursements for volunteers support seniors needing medication reminders, socialization, or in-person assistance with activities of daily living.

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 – oftentimes 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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