The 5 Best In-Home Care Services in Chambersburg, PA for 2023
Chambersburg is a quiet midpoint town between Pittsburgh and Philadelphia in the state of Pennsylvania. It has a population of about 22,354 people, with 19.4% aged 65 and above. This is higher than the national average, which stands at 16.8%. Its location provides a peaceful environment for senior living and access to a wide range of amenities. Seniors can quickly access restaurants, parks, golf courses, beauty parlors, entertainment spots, retail stores and places of worship. Seniors can get high-quality health care services at WellSpan Chambersburg Hospital and Meritus Medical Center. Chambersburg has pleasant weather with a comfort index rating of 7.2 out of 10. Home care costs in Chambersburg are about $4,957 per month, according to the 2021 Genworth Cost of Care Survey.
Below we’ve compiled a comprehensive directory of every home care provider in Chambersburg– 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.
Directory of Home Care Services in Chambersburg, PA
14 Deatrick Dr, Gettysburg, PA, 17325
3374 Lincoln Way East, Fayetteville, PA, 17222
497 Lincoln Way E, Chambersburg, PA, 17201
2700 Luther Dr., Chambersburg, PA, 17202
518 Cleveland Ave Suite 2D, Chambersburg, PA, 17201
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Paying for Home Care in Chambersburg, PA
The Cost of Home Care in Chambersburg, PA
Monthly home care costs in Chambersburg are similar to the state and national average, which also rank at $4,957. The cost is nearly identical to nearby cities such as Waynesboro, which is within 10-mile proximity. Chambersburg has a higher cost than Pittsburgh, which is 30 miles away, by about $1,046. The city also has higher home care costs than other small cities and towns in Pennsylvania, including Republic, which has monthly costs of about $3,051.
The Cost of Home Care Versus Other Senior Care Options in Chambersburg, PA
Monthly home care and home health care assistance in Chambersburg fall within a similar range of $4,957. Home health care entails clinical services provided by a licensed professional. They can include medical tests, wound care and therapy. Monthly nursing home care costs are higher by about $6,000, whereas assisted living costs are slightly lower by about $130. Adult daycare is another senior living option in Chambersburg, which costs about $1,517 per month.
Home Health Care
Adult Day Health Care
Assisted Living Facility
Nursing Home Facility (semiprivate room)
Financial Assistance for Home Care in Chambersburg, 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.
Chambersburg Home Care Resources
Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Chambersburg:
Address: 600 Norland Ave, Suite 11, Chambersburg, PA 17201
Phone number: (717) 263-2153
This county agency is responsible for supporting Franklin County residents who are 60 or older. In addition to helping area seniors understand and sign up for federal and state benefit programs that may improve their quality of life, the agency helps seniors find free, low-cost or loaner medical equipment such as wheelchairs, home oxygen and walkers. Other services provided by the AAA include adult day care, transportation assistance, and a financial, psychological and logistical support program for family caretakers.
Address: 2301 North Cameron Street, Harrisburg, PA 17110
Phone number: (717) 772-2693
The Pennsylvania Department of Agriculture administers this program. Low-income seniors can receive small checks with which to purchase locally grown produce during the summer. Checks must be redeemed by authorized farmers; over 1,150 Pennsylvania farmers participate in the program. Seniors who meet the income requirements can receive up to $24 a year in such food assistance.
Address: 555 Walnut St. 5th floor, Harrisburg, PA 17101-1919
Phone number: (717) 783-8975
The ombudsman program focuses on ensuring that Franklin County residents in long-term care arrangements are protected from abuse, neglect and other kinds of maltreatment. In addition to informing seniors and concerned parties about their rights in such situations, ombudsmen investigate formal complaints and advocate for higher care standards at all levels of government.
Address: 123 Chestnut Street, Suite 400, Philadelphia, PA 19106
Phone number: (215) 625-3990
This nonprofit organization is built to support low-income Pennsylvanians who lack consistent access to health coverage or experience trouble accessing their existing coverage. Particular attention is paid to assisting seniors eligible for both Medicare and Medicaid but have difficulty understanding the intricate associated systems. In addition to offering scheduled and walk-in consultations, the PHLP also runs a free legal help hotline at 1-800-274-3258.
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.
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.