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

Somerville, Ohio is located in Butler County where 15% of the population is aged 65 and older, which is slightly lower than the national average of 16.8%. Located along the Ohio River near the state borders of Kentucky and Indiana, the village offers pleasant weather in late spring and early fall and a slightly lower cost of living than the national average. Somerville also has relatively low violent crime rates and more affordable health care options. Kettering Health Hamilton of Butler County is situated just 10 miles away from Somerville, which offers leading technology, skilled specialists and has received national recognition for its medical services.

According to the Genworth 2021 Cost of Care Survey, seniors in Somerville typically pay about $5,434 per month for home care services, which provides assistance with activities of daily living. Home health care is a better option for those who require certain skilled nursing services.

Below we’ve compiled a comprehensive directory of every home care provider in Somerville– 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 Somerville, OH

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Paying for Home Care in Somerville, OH

The Cost of Home Care in Somerville, OH

Located near Dayton, the village of Somerville offers home care services at a monthly rate of $5,434, which is about $500 more than the Ohio state average of $4,957 and the national median. The capital city of Columbus offers slightly higher monthly costs while the northern city of Cleveland offers slightly lower rates. Lower costs can also be found in Cincinnati. Some of the lowest average rates in the state are in the eastern village of Jefferson.

Somerville

$5,434

Ohio

$4,957

The United States

$4,957

Columbus

$5,625

Cleveland

$5,196

Cincinnati

$5,148

Jefferson

$4,290

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

Home care services in Somerville share comparable rates to home health care, which includes skilled nursing services such as wound care, medication administration and taking vital signs. An assisted living facility is about $1,200 less. per month This option is ideal for seniors who don’t require medical care but are having a hard time living comfortably on their own. A shared room at a nursing home has some of the highest rates for senior living at $8,091 per month.

Home Care

$5,434

Home Health Aide

$5,434

Assisted Living

$4,250

Nursing Home Care (semiprivate room)

$8,091

Note: Data for Somerville was unavailable, so data for the nearest city, Dayton, was used instead. 

Financial Assistance for Home Care in Somerville, 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.

Somerville 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 Somerville:

ResourceContactAddressService
Area Agency on Aging District 7(800) 582-7277218 N. College Ave., Rio Grande, OH 45674Seniors who own a home in Somerville can get free home inspections and repair work done at no cost through the local Area Agency on Aging. This agency works with licensed local contractors to inspect, upgrade and repair seniors’ homes and to improve safety and accessibility of private dwellings. Income and asset restrictions apply to seniors signing up for the program. Covered services may include:
Very Low Income Housing Repair Program(937) 393-1921514 Harry Sauner Rd. # 3, Hillsboro, OH 45133Somerville seniors who need financial assistance to upgrade their homes may be eligible for help through the Very Low Income Housing Repair Program. This federally funded and locally administered program pays a cash grant to seniors aged 62 and over who earn less than 50% of the average income in Butler County. The grant is intended as reimbursement for approved safety and accessibility upgrades. Seniors taking part in the program must not be eligible for a traditional home improvement loan.
Deupree Meals on Wheels(513) 561-81503870 Virginia Ave., Cincinnati, OH 45227Seniors in Somerville can get free freshly prepared meals delivered to their homes through Deupree Meals on Wheels. This program sends volunteers to seniors’ homes Monday through Friday with fresh meals, as well as with frozen dinners for use over the weekend, when delivery service isn’t running. Deupree Meals on Wheels is operated by Episcopal Retirement Services, which also offers support at its Cincinnati food bank.
Elderly Services Program(937) 449-0642175 Tri County Pkwy., Cincinnati, OH 45246Elderly Services Program (ESP) helps seniors who live independently in Somerville with free in-home caregiver support. ESP also provides continuing caregiver education, adult day care and home monitoring equipment for emergency calls.
Supports to Encourage Low-income Families (SELF)(513) 868-93001790 S. Erie Hwy., Suites A-E, Hamilton, OH 45011The SELF program in Somerville connects local seniors with emergency bill payment services and up to a 30% reduction in home energy costs through the Low Income Home Energy Assistance Program (LIHEAP). SELF can also upgrade or install new insulation for seniors’ homes, as well as other energy efficiency upgrades. Seniors applying for LIHEAP and other SELF programs must provide proof of income, assets and residency.

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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