The 10 Best Home Care Agencies for Seniors in Upper Arlington, OH for 2025

The average cost for home care in Upper Arlington is $668 more expensive than the national average and about $700 more expensive than the Ohio median. According to Genworth’s 2021 Cost of Care Survey, Upper Arlington has the most expensive home care costs in the state. In Cleveland, the average is about $425 less per month, while residents in Cincinnati pay about $500 less. The cost difference between Upper Arlington and Akron, which has the most affordable home care average in the state, is $1,573. 

Survey data indicates that home care and home health care have the same average monthly cost in Upper Arlington. However, it’s common for families to pay a bit more for home health care due to the additional medical services provided by licensed nurses or therapists. Two significantly more affordable senior care options in Upper Arlington are assisted living and adult day health care, which cost $4,085 and $1,733, respectively. Seniors in nursing homes pay about $2,300 more per month than those getting home care, making it the most expensive option. 

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.