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

The tight-knit community of Wapakoneta, Ohio, is home to just under 10,000 people, and a higher-than-average 20.7% of seniors are aged 65 and above. City residents are served by several hospitals, including the Wapakoneta Medical Center Everside Health and the Wapakoneta Health Center. As a small community, Wapakoneta sees very little crime, and residents enjoy an affordable cost of living. The 2021 Genworth Cost of Care Survey averages the cost for home care in the region to $4,957 per month, and the corresponding cost for home health care is $4,576. Home care and home health care providers offer similar services. However, home health caregivers are usually nurses trained to monitor seniors’ medical needs.

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

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Paying for Home Care in Wapakoneta, OH

The average Wapakoneta senior pays around $4,957 for in-home care. This cost is in line with both Ohio and the national median.

The Cost of Home Care in Wapakoneta, OH

The average home care price in Wapakoneta matches the corresponding rate in Toledo. Seniors in the city of Springfield pay, on average, $572 less than in Wapakoneta. Rates in larger cities, such as Columbus and Dayton, are substantially higher.

Wapakoneta

$4,957

Ohio

$4,957

The United States

$4,957

Dayton

$5,434

Springfield

$4,385

Toledo

$4,957

Columbus

$5,625

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

While home health care providers include additional medical services, they’re more affordable than home care in Wapakoneta by $381. Seniors can receive residential care at various levels of intensity in assisted living facilities and nursing homes for respective monthly rates of $4,603 and $7,133.

Home Care

$4,957

Home Health Care

$4,576

Assisted Living Facility

$4,603

Nursing Home Facility (semiprivate room)

$7,133

Note: Data for Wapakoneta was unavailable, so data for the nearest city, Lima, was used instead.

Financial Assistance for Home Care in Wapakoneta, 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.

Free & Low-Cost Home Care Resources in Wapakoneta, OH

Aging-in-place resources can help older adults in Wapakoneta with the cost of care needed to continue living at home. Some agencies can provide assistance with basic needs, including house repairs, meals and even home care.

ResourceContactService
The Auglaize County Council on Aging(419) 738-2438As the regional Area Agency on Aging, the ACCA provides a robust list of aging-in-place services for people aged 60 and above. Seniors may benefit from friendly visitors, medical transportation and an information and referral service. Additionally, low-income seniors may be eligible for in-home care.
Ohio Senior Health Insurance Information Program(800) 686-1578OSHIIP provides free and impartial insurance advice to Medicare beneficiaries. Seniors can get in touch with the statewide hotline to discuss their insurance needs with a trained counselor. This free service educates older adults on insurance topics and empowers them to make informed decisions about their coverage.
The Home Energy Assistance Program(419) 227-2586This federally funded program can help low-income older adults cover the costs of their energy bills during the winter. The benefit comes in the form of a yearly grant, and seniors must meet income criteria to be eligible for assistance.
The Home Repair Program(419) 227-2586, ext. 105The Home Repair Program can help older adults remain in their homes by providing financial aid for necessary repairs and accessibility modifications. Seniors can use the funding for maintenance work, such as fixing a leaking roof, electrical updates and adding a wheelchair ramp.
The Homestead Exemption(419) 739-6710Homeowners aged 65 and older can save a significant portion on their taxes with the Homestead Exemption. Eligible seniors need to apply with the County Auditor by the stated deadline to qualify for a reduction on their property taxes.

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 – oftentimes 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 home care
Checklist for determining the need for 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
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

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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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