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

Last Updated: June 5, 2024 - Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Coal Grove, OH, residents and their loved ones rate In Home Care agencies across the 8 options below.

Home Care Services in Coal Grove, Ohio

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Paying for Home Care in Coal Grove, OH

The Cost of Home Care in Coal Grove, OH

Seniors in Coal Grove pay an average of $3,670 a month for in-home care without medical care, which is one of the lowest costs in the state. Based on the 2021 Genworth Cost of Care Survey, this cost is $1,287 less per month than both the national and state averages. Seniors who choose to retire in Cincinnati can expect to pay $5,148 a month, while those in Dayton will pay $5,434. Coal Grove’s monthly average is $382 less than the average in Akron and $906 less than the cost in Mansfield.

Coal Grove

$3,670

Ohio

$4,957

United States

$4,957

Dayton

$5,434

Cincinnati

$5,148

Mansfield

$4,576

Akron

$4,052

The Cost of Home Care vs. Other Senior Care Options

Home care offers seniors the chance to retire in their own homes, while home health care provides basic medical care in addition to personal care assistance. Both types of senior care average $3,670 a month. Seniors who want the conveniences of an assisted living facility will pay $4,875 a month, while nursing home care in a semiprivate room is $3,174 a month more than in-home care.

Home Care

$3,670

Home Health Care

$3,670

Assisted Living

$4,875

Nursing Home Care (semiprivate room)

$6,844

 Note: Data for Coal Grove was unavailable, so data for the nearest city, Huntington, WV, was used instead.

Financial Assistance for Home Care in Coal Grove, 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 Coal Grove, OH

Sometimes, remaining safely at home requires a little extra help for older adults, and there are several resources in the Coal Grove area that provide help at little to no cost. Through these nonprofit and government agencies, seniors can access services such as home-delivered meals, benefits counseling and in-home care support.

ResourceContactService
Area Agency on Aging District 7, Inc.(800) 582-7277The Area Agency on Aging administers several programs for older adults in Lawrence and nine other Ohio counties. This organization oversees meal delivery, senior home repairs, senior abuse prevention and Medicare and Medicaid services.
Homestead Exemption for Senior Citizens(740) 533-4310When seniors choose to age in place, they can apply for a property tax exemption to lower their property tax liability. The reduction is the tax liability on the first $25,000 of the assessed value of the home and the land it sits on. Applications are due by December 31 each year.
Home Energy Assistance Program(800) 282-0880Low-income seniors can get help to pay their utility bills through HEAP. The program provides a one-time payment to cover the cost of heating, ensuring that seniors can keep their homes warm throughout the winter.
Chillicothe VA Medical Center(740) 773-1141The Chillicothe VA Medical Center serves older veterans in the region who need healthcare. It also partners with the AAA7 to oversee the Veteran-Directed Home and Community-Based Program, which helps more older veterans stay at home by tapping into services to help them with home care.
Southeastern Ohio Legal Services(800) 589-5888SEOLS provides free legal services to low-income individuals in the region. Seniors can get help with their civil legal needs, such as abuse and fraud prevention or estate planning, from area lawyers.
Home Weatherization Assistance Program(800) 282-0880An energy-efficient home is more comfortable and costs less to heat. HWAP provides assistance paying for insulation, sealing, heating system repairs and home safety inspections for low-income individuals in Ohio. This state-wide program also educates clients about energy use in their homes.

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.Contains flex elementsImage width (percent):90

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.Contains flex elementsImage width (percent):90

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

In Home Care near Coal Grove, OH

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Other Options in Coal Grove, OH

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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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