The 10 Best Home Care Agencies for Seniors in Fairfield, OH for 2024
With almost 45,000 residents, Fairfield is the third-largest suburb in the Cincinnati metro area. Seniors account for 7.4% of the population, significantly less than the national average of 16.8%. Fairfield is also relatively peaceful, with a violent crime rate almost half the national average. According to the 2021 Genworth Cost of Care Survey, the average cost of home care for seniors in Fairfield is $5,148. While home care may be suitable for seniors looking for extra help with personal care and daily living tasks, those needing skilled medical assistance might benefit from home health care. Nearby Mercy Health Fairfield Hospital has a reputation for excellence in the treatment of heart conditions, joint replacements and pneumonia.
Below we’ve compiled a comprehensive directory of every home care provider in Fairfield– 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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Paying for Home Care in Fairfield, OH
The Cost of Home Care in Fairfield, OH
As one of Cincinnati’s most populous suburbs, Fairfield shares its average cost of home care with the metro area as a whole. Seniors in the region pay $191 more each month for in-home services compared to the state and national average cost, according to the Genworth Cost of Care Survey 2021. To the north, in Dayton, the typical monthly rate for home care is $286 higher than in Fairfield, whereas Springfield’s cost is lower by $763. Heading further to the east, home care in Columbus costs almost $500 per month more than in Fairfield.
Fairfield
$5,148
Ohio
$4,957
The United States
$4,957
Dayton
$5,434
Springfield
$4,385
Columbus
$5,625
The Cost of Home Care vs. Other Senior Care Options in Fairfield, OH
Residents of Fairfield pay the same average cost for both levels of in-home services, whether they need basic day-to-day assistance or light medical care from nursing staff. Assisted living is more affordable in Fairfield, with average savings of $482 per month, and provides 24/7 care and supervision. The cost of a semiprivate room in a nursing home is 52% higher than in-home services, adding $2,700 to the monthly bill, whereas adult day health costs $3,458 less.
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
Note:Â Data for Fairfield was unavailable, so data for the nearest city, Cincinnati, was used instead.
Financial Assistance for Home Care in Fairfield, 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.
Fairfield 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 Fairfield:
Area Agency on Aging District 7
Address: 218 N College Ave., Rio Grande, OH 45674
Phone:Â (800) 582-7277
Fairfield seniors are covered by the Area Agency on Aging District 7, which provides senior services and support for seniors with limited income and a need for help with home modifications. Professional construction services, which are provided by qualified and licensed local professional contractors, are mostly directed toward improving safety and accessibility inside the home. Covered services include:
- Plumbing work, including installation and replacement of fixtures
- Electrical work to eliminate hazards and improve efficiency
- HVACÂ installation, inspection and repair of dicts, furnaces and air condensers
- Wheelchair ramps and guard rail installation for improved accessibility
- Some modifications to kitchen and bathroom areas
- Structural repairs to frames, flooring and new door installation
- Some roofing work, including storm rehab
Address:Â 3870 Virginia Ave., Cincinnati, OH 45227
Phone:Â (513) 561-8150
Deupree Meals on Wheels provides valuable nutritional support for seniors in the Fairfield area. Services include a food bank operated by Episcopal Retirement Services, as well as at-home meal delivery. Volunteers deliver freshly prepared meals to seniors’ homes five days a week, plus frozen meals for the weekend.
Address: 175 Tri County Pkwy., Cincinnati, OH 45246
Phone:Â (937) 449-0642
The Elderly Services Program in Ross helps seniors, caregivers and other loved ones overcome the challenges of living independently in the community with caregiver classes, senior health education and direct assistance for seniors in Fairfield. Elderly Services helps seniors with limited mobility and permanent disabilities find durable medical equipment, as well as providing caregivers with adult day care and respite care support at nearby facilities. Seniors who live in their own homes can request Personal Emergency Response System (PERS) hardware to help keep them safe.
Supports to Encourage Low-income Families (SELF)Â
Address:Â 1790 S. Erie Hwy., Suites A-E, Hamilton, OH 45011
Phone:Â (513) 868-9300
Seniors in Fairfield can get up to 30% off of their monthly home energy bills by signing up with the Low Income Home Energy Assistance Program (LIHEAP) through the Hamilton branch of Supports to Encourage Low-Income Families (SELF). SELF also helps seniors find and schedule low-cost and free home weatherization services, as well as providing a one-time direct payment of overdue electrical and gas utility bills to avoid disconnections. SELF services are open to all seniors in Butler County who meet the program’s income and asset limits, though emergency funds can be limited.
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.