The 5 Best Home Care Agencies for Seniors in Moscow, OH for 2024

Moscow is in Clermont County, Ohio, near the Kentucky border. The county has a population of almost 210,000, about 17.7% of whom are seniors aged 65 and above — just above the 16.8% national average. The state doesn’t tax SSI income and seniors may qualify for some tax credits. Per Genworth’s 2021 Cost of Care Survey, home care in Moscow costs an average of $5,148 per month. While home health care includes medical services, home care does not. However, Moscow’s seniors have several hospitals nearby, including the high-performing Christ Hospital, Mercy Health – Anderson Hospital and TriHealth Good Samaritan Hospital.         

Below we’ve compiled a comprehensive directory of every home care provider in Moscow– 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.

Because of their closeness, Moscow and Cincinnati share an average monthly cost of $5,178 for home care. This is $221 more than the shared state and national median rate of $4,957. North of Moscow in Dayton, average home care fees increase by almost $450 to $5,625. There’s a larger increase in the state capital of Columbus, where seniors generally pay around $5,625 each month. Further north in Toledo, the median home care price is on par with the national and state average. Similarly, around 100 miles south of Moscow in Lexington, KY, home care costs an average of $4,957 per month.  

Nursing homes are the costliest senior care option in Moscow, with an average monthly fee of $7,848 for a semiprivate room. At $5,148, home care is around $2,700 cheaper per month. Home health care, which includes medical services such as health monitoring and medication management, shares the same monthly average. The median assisted living cost is $4,666, which is almost $500 lower than home care. Seniors can expect to pay $1,690 per month for adult day health care, representing the most affordable care choice in Moscow.

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.