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The 5 Best Home Care Agencies for Seniors in Berwick, PA for 2024

Last Updated: June 5, 2024 - Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Berwick, PA, residents and their loved ones rate In Home Care agencies across the 6 options below.

Home Care Agencies in Berwick, PA

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Paying for Home Care in Berwick, PA

The Cost of Home Care in Berwick, PA

Home care costs can vary based on location, amenities and services provided. In Berwick, the cost of home care is $4,242. The state and national averages are $715 higher than Berwick, as well as most surrounding areas. In Scranton, costs are around $330 higher. They increase to $4,767 for comparable care in Harrisburg. Allentown and Williamsport have the highest costs for home care in this region, averaging $5,148 and $5,196, respectively.

Berwick

$4,242

Pennsylvania

$4,957

United States

$4,957

Scranton

$4,576

Williamsport

$5,196

Allentown

$5,148

Harrisburg

$4,767

The Cost of Home Care vs. Other Senior Care Options in Berwick, PA

Seniors have access to several types of care in Berwick, including home health care, assisted living and nursing home care. Nonmedical home care and home health care both share the same average monthly cost of $4,242, despite home health care including additional medical services provided by licensed or certified professionals. Assisted living is a good option for seniors seeking a residential option with around-the-clock nonmedical assistance, averaging $4,473 per month. Seniors requiring more extensive medical care and skilled nursing may benefit from nursing home care, which averages $8,943 per month for a semiprivate room in the area.

Home Care

$4,242

Home Health Care

$4,242

Assisted Living

$4,473

Nursing Home Care (semiprivate room)

$8,943

Note: Data for Berwick was unavailable, so data for the nearest city, Bloomsburg, was used instead.

Financial Assistance for Home Care in Berwick, PA

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 Berwick, PA

Seniors often require assistance with more than just paying for home care. Thankfully, other forms of aid exist, ranging from having meals delivered to assistance paying for utilities. The following resources are dedicated to helping low-income seniors meet their needs and age in place as long as possible. For more information about any one resource listed below, reach out to the organization directly at the provided contact information.

ResourceContactService
Columbia-Montour Aging Office

(800) 598-5001As the local Area Agency on Aging, this organization serves as an advocate for seniors and provides services to enable them to age in place. Some of what they offer can include assistance with food, personal care, respite and determining whether long-term care may be needed.
Central Susquehanna Opportunities Utilities Assistance(570) 644-6575CSO partners with several local utility companies to offer assistance with utility bills. It can also assist with applying for the Low-Income Home Energy Assistance Program (LIHEAP), which provides qualified individuals with a payment toward their heating costs over the winter.
Weatherization(800) 332-6701Low-income seniors may qualify for weatherization assistance. In Berwick, the program is managed by SEDA-COG. Eligible individuals will have their homes tested and improved to make them more energy efficient. Services may include air leak sealing, insulation, installation of digital thermostats or furnace repair.
Adaptive Home Modification Program(570) 784-9373Low- and moderate-income seniors may qualify for assistance with adaptive modifications through the Redevelopment Authority. To qualify, individuals must have a disability that limits their mobility within their home. It can include modifications such as ramps, door widening and grab bars.
North Penn Legal Services(877) 953-4250Seniors in need of legal assistance or advice can contact North Penn Legal Services. This can include assistance with drafting a will, financial and health care powers of attorney and living wills.

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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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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