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The 10 Best Home Care Agencies for Seniors in Hamilton, 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 Hamilton, OH, residents and their loved ones rate In Home Care agencies across the 22 options below.

Home Care Agencies in Hamilton, OH

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Paying for Home Care in Hamilton, OH

The Cost of Home Care in Hamilton, OH

Hamilton residents pay an average monthly cost of $5,148 for home care. This is slightly higher than the Ohio average of $4,957, as well as the national average, which is the same as the Ohio average. The most affordable Ohio community for home care is Akron near the Michigan border, where residents pay an average of $4,052 per month. Those in Columbus pay the most at $5,625, while home care costs in Dayton and Canton average $5,434 and $4,814, respectively. 

Hamilton

$5,148

Ohio

$4,957

United States

$4,957

Akron

$4,052

Columbus

$5,625

Dayton

$5,434

Canton

$4,814

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

With the exception of nursing home care, which costs an average of $7,848 for a semiprivate room, home care and home health care are the most expensive senior care options in Hamilton. The cost of a home health aid is the same as home care at $5,148 per month, while assisted living costs drop to $4,666. Adult day health care is the most affordable at an average monthly cost of $1,690, but it doesn’t provide care at night or on weekends. 

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: Data for Morrow was not available, so data for the nearest city, Cincinnati, was used instead. 

Financial Assistance for Home Care in Morrow, 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.

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.

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.

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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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