The Best Home Care Agencies for Seniors in Huber Heights, OH for 2025

The Genworth 2021 Cost of Care Survey puts the average cost of home care in Huber Heights at $5,434 per month. That’s $477 more than the Ohio state average and $953 more than the national average of $4,481. Some Ohio cities are even more affordable, such as Akron ($4,052) and Toledo ($4,957). Columbus has higher costs for home care at $5,625 per month. Prices in Cincinnati, at $5,148 per month, are closer to Huber Heights.

Seniors in Huber Heights have more options than home care. Both home care and home health care cost an average of $5,434 per month. This is $1,184 per month more than the average of $4,250 that seniors in the area pay for assisted living. Older adults who need a higher level of supervision and medical services may need the more intensive care of a skilled nursing home. The price for a semiprivate room in a Huber Heights nursing home averages $8,091 per month.

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.