The Best Home Care Agencies for Seniors in Kettering, OH for 2025

Senior home care providers charge an average of $5,434 per month for full-time service in Kettering, according to Genworth’s 2021 Cost of Care Survey. As such, the cost of care in the city is $477 per month higher than average for the state and nation overall. Most nearby population centers have lower home care costs than in Kettering, with seniors in Springfield saving an average of over $1,000 per month. Cincinnati and Lima are priced lower by around $300 and $500 per month, respectively, while costs in Columbus are higher by almost $200.

The cost of general (nonmedical) home care in Kettering is identical to the average cost of home health care, with the latter able to provide licensed medical services in the home. Assisted living communities in the area provide 24/7 care and supervision while charging around $1,200 per month less than home care providers. A semiprivate room in a nursing home costs significantly more each month, with an average increase of over $2,600 compared to home care.

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.