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

Owensville, OH, has a small population of only 786 people. With seniors making up 19.1% of that population, Owensville skews slightly older than the national average of 16.8%. According to the 2021 Genworth Cost of Care Survey, people in this region can expect to pay $5,148 per month for home care (or skilled care at home), which is slightly more than the average cost in the state of Ohio. For those who only need limited skilled nursing services, home health care may be a better choice. Medical care for acute and chronic conditions is available nearby at Bethesda North Hospital in Cincinnati and Mercy Health in Batavia.

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

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Home Care Agencies in Owensville, OH

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Paying for Home Care in Owensville, OH

The Cost of Home Care in Owensville, OH

Monthly home care costs in Owensville are around $5,148, which is more expensive than the rest of the state and nation on average. The cost in Owensville is on par with Cincinnati, which is less expensive than Columbus but more expensive than Mansfield or Lima. Higher home care fees tend to be charged in the major cities, such as Columbus or Cincinnati.

Owensville

$5,148

Ohio

$4,957

United States

$4,957

Cincinnati

$5,148

Columbus

$5,625

Lima

$4,957

Mansfield

$4,576

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

Home care expenses in Owensville are around $500 more than assisted living expenses but $2,600 less than skilled nursing costs. Another option in this region is an adult day health program, which costs around a third of the price of in-home care. They may require travel, however, to a local community center or other facilities.

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 Owensville was unavailable, so data for the nearest city, Cincinnati, was used instead.

Financial Assistance for Home Care in Owensville, 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 in-home care
Checklist for determining the need for in-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.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care
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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

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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