The 5 Best In-Home Care Services in Defiance, OH for 2023
Located in northwestern Ohio, Defiance is an exceptionally affordable Midwestern city. The overall cost of living is 27% below the national average and the cost of housing in particular is 57% below. According to U.S. Census data, 16,971 people live here, with the city’s senior percentage of 19.7% notably higher than the national senior percentage of 16.8%. The average monthly cost of home care in Defiance is $4,957, according to the 2021 Genworth Cost of Care Survey, which is the same as the state and national averages. The price for home health care is even lower, despite including medical care. The area is served by Lima General Hospital, which gets high performance ratings from U.S. News and World Report for its COPD and cardiology-related care.
Below we’ve compiled a comprehensive directory of every home care provider in Defiance– 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.
Directory of Home Care Services in Defiance, OH
HomeCare.com
7925 Jones Branch Dr., Suite LL 140, Mclean, VA, 22102
Visiting Angels – NW Ohio
143 N Michigan Ave, Edgerton, OH, 43517
VNA Healthcare Partners of Ohio, Inc- Cleveland
2500 East 22nd Street, Cleveland, OH, 44115
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is a Caring Star Community
Earning a Caring Star means this community is among the best Senior Living commuities in America.
Paying for Home Care in Defiance, OH
The Cost of Home Care in Defiance, OH
According to Genworth Financial’s 2021 Cost of Care Survey, Defiance’s monthly average cost for home care is identical to both the state and national averages. However, there’s a reasonable amount of cost variation within the state. Residents of the state capital Columbus see the highest average prices at $600 more than Defiance. Dayton is also more expensive at roughly $400 higher on average. In general, home care costs tend to be less expensive in Ohio’s northeast, where residents of Akron pay about $900 less per month for home care and Youngstown residents pay nearly $700 less.
The Cost of Home Care vs. Other Senior Care Options in Defiance, OH
Assisted living is cheaper than home care in Defiance at $4,603 a month. Since home health care requires a higher level of medical involvement than regular home care, it’s usually more expensive. In Defiance, however, the average price of home health care is actually a few hundred dollars less than that of home care and much closer to the price of assisted living. Nursing home care is the most expensive option, with seniors seeing a monthly average cost of almost $2,200 more than home care.
Note: Data for Defiance was unavailable, so data for the nearest city, Lima, was used instead.
Financial Assistance for Home Care in Defiance, 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.
Defiance 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 Defiance:
Heat Energy Assistance Program (HEAP)
Address: 77 S. High St., Columbus, Ohio 43215
Phone Number: (800) 282-0880
HEAP is a state-funded program that assists low-income homeowners and seniors 60 years old and over with their heating bills. To be eligible, applicants must meet certain household size and income limits. Once approved, the benefit amount will be directly applied to the customer’s utility bill.
Nutrition Program
Address: 140 E. Broadway St., Defiance, OH 43512
Phone Number: (419) 782-3233
Defiance County Senior Services provides nutritious meals at the center or home-delivered to seniors who are unable to prepare meals for themselves. Meals are approved by a licensed dietician and can be delivered hot or frozen. A nutritional assessment will be performed to determine any additional needs and provide available resources within the community.
Area Office on Aging
Address: Area Office on Aging
Phone Number: (800) 472-7277
The PASSPORT Program through the Area Office on Aging’s In-Home Care Program helps qualified low-income seniors 60 years old and over with housekeeping, meal preparation, bathing, dressing, grooming, transportation, home medical equipment and supplies.
United Way of Defiance County
Address: 608 Clinton St., Defiance, OH 43512
Phone Number: (419) 782-3510
The FlexRide Program through the United Way provides transportation services to residents of Defiance County for medical appointments, court services and job interviews.
Elderly Home Repair Program
Address: 1933 E. 2nd St. Defiance, Ohio 43512
Phone Number: (419) 784-5393
Low-income homeowners age 60 and over who reside in the counties of Defiance, Fulton, Henry, Paulding and Williams can qualify for the Elderly Home Repair Program. Minor home repairs are addressed to help seniors continue to live safely and independently in their homes. Some home modifications include grab bars, handrails, adequate lighting, handheld showerheads, wheelchair-accessible toilets, repair or replace furnaces or hot water heaters and roofing repairs.
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.
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.
