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

Dayton is located in Western Ohio, roughly an hour from major cities Cincinnati and Columbus. It’s highly ranked in the 2022 Caring Senior Living Report as the 11th most-affordable city in the nation for older adults and has some of the lowest housing costs in the nation. Two of its local hospitals, Miami Valley Hospital and Kettering Health Main Campus, are ranked as among the best in Ohio by U.S. News and World Report.

Seniors seeking home care in Dayton see an average monthly price of $5,434, according to Genworth Financial. Home care focuses on personal support, while home health care is sometimes more expensive as it’s intended for seniors who require support from medical professionals.

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

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Paying for Home Care in Dayton, OH

The Cost of Home Care in Dayton, OH

The Genworth Financial Cost of Care Survey 2021 reports that the average monthly price of home care in both Ohio and nationwide is $4,957, which makes Dayton’s prices higher than average. Ohio’s prices are at their reported peak in its capital city Columbus at $5,625, and they’re also higher than average in Cincinnati at $5,148. They’re much lower than average in the northeast Ohio cities of Youngstown and Akron.

Dayton

$5,434

Ohio

$4,957

The United States

$4,957

Columbus

$5,625

Cincinnati

$5,148

Akron

$4,052

Youngstown

$4,092

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

Assisted living, which makes a good alternative to home care for socially minded seniors, is notably cheaper at $4,250 monthly. A semiprivate room in a nursing home is roughly 33% more expensive than home care at $8,091, but it also provides the highest level of medical observation and support. Adult day health care offers some limited caregiving coverage and is usually the least expensive option. However, there’s no price information specific to this kind of care in Genworth’s 2021 dataset. 

Home Care

$5,434

Home Health Care

$5,434

Assisted Living Facility

$4,250

Nursing Home Facility (semiprivate room)

$8,091

Financial Assistance for Home Care in Dayton, 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 Dayton, OH

These programs are offered by government agencies and nonprofit organizations for little or no cost to seniors. They help fight food insecurity, keep seniors connected to their community, assist in finding home care services and otherwise help improve quality of life.

ResourceContactService
Area Agency on Aging West Central Ohio(937) 223-4357This nonprofit agency offers a wide variety of senior-focused services, including Passport and ComCare, two separate programs that help older adults develop a plan for aging in place. It's also the contact point for MyCare Ohio, which helps coordinate health care services for seniors.
Senior Resource Connection(937) 223-8246The SRC is the local administrator of Dayton's Meals on Wheels program, through which volunteers deliver hot lunch meals to area seniors. It also runs the related Senior's Best Friend program, which helps animal-owning seniors save money by providing them with free pet food.
Goodwill Easter Seals Miami Valley Medical Equipment Loan(937) 528-6357Wheelchairs, crutches, rollators and other mobility and assistive devices may be borrowed for no cost from this community organization's loan locker. In some cases, program operators can provide home delivery of items. GESMV also runs a free web-streaming service that provides readings of local print media, which can help visually impaired and homebound seniors keep abreast of happenings in the community.
Ohio Senior Property Tax Exemption(800) 282-1780Low-income Ohio seniors are eligible to exempt up to $25,000 worth of home value in calculating property taxes on their primary residence. This exemption usually reduces the property tax obligation by roughly $500, although the amount of savings depends on the original home value.

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 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.

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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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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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