.png&w=256&q=75){kind=small}
The Best Home Care Agencies for Seniors in Middletown, OH for 2025
Caring.com offers a free service to help families find senior care and ...
authentic reviews to help you in your decision. On average in Middletown, OH, residents and their loved ones rate In Home Care agencies 4.3 out of 5 stars across the options below.
Filters
Loading...
What you can do with Caring
Paying for Home Care in Middletown, OH
Along with other residents of Dayton suburbs, those in Middletown pay a monthly average of $5,434 for home care. This is higher than both the Ohio average and the national average, which are both $4,957 per month. However, it’s lower than the average in the state capital, Columbus, where home care costs an average of $5,625 per month. Akron residents pay the least for home care at a monthly average of $4,052, while those in Cincinnati and Mansfield pay $5,148 and $4,576, respectively.
The Cost of Home Care in Middletown, OH
Middletown
$5,434
Ohio
$4,957
The United States
$4,957
Columbus
$5,625
Akron
$4,052
Cincinnati
$5,148
Mansfield
$4,576
The Cost of Home Care vs. Other Senior Care Options in Middletown, OH
At an average of $4,250, assisted living is the second more affordable choice, with home care and home health care both coming in next at $5,434. Residents of nursing homes in Middleton pay the most for senior care at an average of $8,091 per month for semiprivate accommodations. Costs for adult day care in the Middletown area aren’t available.
Home Care
$5,434
Home Health Care
$5,434
Assisted Living
$4,250
Nursing Home Care (semiprivate room)
$8,091
Financial Assistance for Home Care in Middletown, 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.
Middletown 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 Middletown:
| Resource | Contact | Address | Service |
|---|---|---|---|
| Home Weatherization Assistance Program (HWAP) | (937) 382-1234 | 789 N. Nelson Ave., Wilmington, OH 45177 | Middletown seniors with limited incomes can update the energy efficiency of their homes with weatherization improvements from the Home Weatherization Assistance Program (HWAP). This program pays licensed local contractors to inspect and make recommendations to upgrade seniors’ homes in Warren County, and with approval, the program pays for much of the work. Seniors can apply to HWAP for help getting new or upgraded insulation, windows and doors. Participants must meet the program’s income and asset eligibility guidelines to apply. |
| Community Housing Improvement Program (CHIP) | (614) 466-2285 | 77 South High Street, Columbus, OH 43215 | The Community Housing Improvement Program (CHIP) of Warren County helps seniors in Middletown bring their homes up to code, as well as providing no-cost home improvements for improved access and safety. Repairs and upgrades the program pays for can include: |
| Very Low Income Housing Repair Program | (937) 393-1921 | 514 Harry Sauner Rd. # 3, Hillsboro, OH 45133 | Middletown seniors aged 62 and over who earn less than half the average income for Warren County, own their own homes and are unable to finance home repairs with a traditional home loan may be eligible for a cash grant from the Very Low Income Housing Repair Program. This program uses federal funds to reimburse Middletown seniors for authorized safety and accessibility upgrades to homes they own and live in. |
| Low-Income Home Energy Assistance Program (LIHEAP) | (937) 382-1234 | 789 N. Nelson Ave., Wilmington, OH 45177 | Seniors in Middletown can get a break on the cost of home heating and cooling through the Low-Income Home Energy Assistance Program (LIHEAP). LIHEAP can potentially reduce home energy bills by up to 30% for seniors who meet income and asset guidelines. The program may also be able to make a one-time cash payment to prevent disconnection of electrical or gas service to the home, as well as to schedule some contractor work to improve a home’s energy efficiency. |
| Elderly Services Program (ESP) | (937) 449-0642 | 2333 Rombach Avenue, Wilmington, OH 45177 | Middletown seniors can get the help they need to remain independent in their own homes from the Elderly Services Program (ESP). ESP pays much of the cost of services from an in-home caregiver, as well as for some durable medical supplies and respite care. The program can also pay for the installation of home monitoring equipment to call for help in case of a medical or safety emergency. |
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.
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.
