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The 10 Best Home Care Agencies for Seniors in Westerville, OH for 2024

Westerville is a small city in Ohio with 38,466 residents. This bustling university town has many entertainment and shopping options and boasts health care costs that are around 11% lower than the national average. Approximately 1 in 5 local residents are aged 65 or older, and those seniors can benefit from the area's low crime rates as well as access to quality health care at Mount Carmel St. Ann's Health Center and the OSU Wexner Medical Center. Seniors who don't require daily medical services but who need help with the activities of daily living may choose home care services. Such services typically cost $5,625 per month in Westerville, as does home health care, which adds light nursing care services.

Below we've compiled a comprehensive directory of every home care provider in the Westerville 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.

Home Care Agencies in Westerville, OH

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Paying for Home Care in Westerville, OH

The Cost of Home Care in Westerville, OH

According to the Genworth Cost of Care Survey, home care services in Westerville typically cost $5,625 monthly, almost $700 more than the state and national averages. Seniors pay far less in Youngstown at $4,290 on average and in Springfield at $4,385. Home care services are also more affordable in Mansfield, at $4,576. Cincinnati's home care companies charge more on average, but the city's prices are still about $500 cheaper than in Westerville.

Westerville

$5,625

Ohio

$4,957

United States

$4,957

Youngstown

$4,290

Springfield

$4,385

Mansfield

$4,576

Cincinnati

$5,148

The Cost Of Home Care vs. Other Senior Care Options in Westerville, OH

Home health care companies in Westerville charge similar fees to home care companies, despite offering additional services in the form of nursing care. Assisted living facilities, which provide room and board plus help with the activities of daily living, are around $1,540 less costly per month than home care providers. The least expensive senior care option is adult day health care, which is provided in a group setting during daytime hours. Nursing home care is the most costly option due to the 24-hour supervision and skilled care offered. Seniors can expect to pay around $7,490 per month for a semiprivate room in a nursing home.

Home Care

$5,625

Home Health Care

$5,625

Adult Day Health Care

$1,733

Assisted Living

$4,085

Nursing Home Facility (semiprivate room)

$7,490

Note: Data for Westerville was unavailable, so data for the nearest city, Columbus, was used instead.

 

Financial Assistance for Home Care in Westerville, 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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Frequently Asked Questions

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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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