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

Wilberforce is a small census-designated place in Greene County, Ohio. Its total population is 2,410 residents; seniors make up 4.1% of the population, which is much lower than the national average of 16.8%. Wilberforce is considered part of the Dayton-Springfield metropolitan area, giving residents access to many highly rated hospitals and surgical centers, including Ohio Valley Surgical Center and Miami Valley Hospital. According to the 2021 Genworth Cost of Care Survey, residents pay an average of $4,385 per month for in-home care in the Springfield area, which is lower than both the national and state averages. Home care provides many services to seniors, but does not include light medical services offered by home health care.

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

Monthly home care costs in Wilberforce are much more affordable than the average for Ohio, about $600 less. By comparison, nearby Columbus costs about $670 more than the state average. Nearby Dayton and Cincinnati are also more costly than Wilberforce, as is the northernmost city of Lima. The northeastern city of Akron is more cost-effective thanks to its lower home care rates.

In-home care costs in Wilberforce are less affordable than assisted living facilities in the area. There’s a difference of about $700 between the two. Nursing home facilities are another option, but a semiprivate room in a nursing home costs almost twice as much as home care providers. On the other hand, home health care provides a number of services directly in a senior’s home, such as nursing care and occupational therapy. This could offer seniors both comfort and convenience.

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.