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The 10 Best Home Care Agencies for Seniors in Chester County, PA for 2024

Chester County is made up of a number of small towns and cities in the southeastern section of Pennsylvania. It is known as an area of historic significance in regard to the American Revolution. The county has an estimated population of 538,000, and around 17.2% of residents are of retirement age. This is slightly higher than the national average of 16.5% and, as a result, there are many services and recreational activities aimed at the needs or interests of seniors in the area. The county has a low crime rate, making it an attractive option for seniors who are concerned about safety. Data from the 2021 Genworth Cost of Care Survey shows that the average senior in Chester County pays $5,196 per month for home care services. This is slightly higher than the national average of $4,957.

Below we’ve compiled a comprehensive directory of every home care provider in Chester County– 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 Chester County, PA

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Paying for Home Care in Chester County, PA

The Cost of Home Care in Chester County, PA

On average, seniors in Chester County pay $5,196 each month for home care services. This is higher than both the Pennsylvania state average and the national median, which are identical at $4,957 per month. The average cost of care is slightly higher in the neighboring cities of Gettysburg and Lancaster. The cost of home care is more affordable for the typical senior living in Reading or York. 

Chester County

$5,196

Pennsylvania

$4,957

The United States

$4,957

Gettysburg

$5,291

Lancaster

$5,339

Reading

$4,576

York

$4,767

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

The average senior in Chester County pays $5,196 for home care services and $5,243 for home health care. Home care provides basic assistance with the tasks of daily living, while home health care offers basic medical care administered by registered nurses or therapists. Assisted living is slightly more affordable at $4,784 per month, and adult day care is the cheapest option at around $1,625 each month. Nursing home care is the most expensive option at $12,461.

Home Care

$5,196

Home Health Care

$5,243

Assisted Living

$4,784

Adult Day Care

$1,625

Nursing Home Care

$12,461

Note: Data for Chester County was unavailable, so data for the nearest city, Allentown, was used instead.

Financial Assistance for Home Care in Chester County, 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.

Chester County 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 Chester County:

ResourceContactAddressService
Chester County Department of Aging Services(610) 344-6350601 Westtown Road, Government Service Center, Suite 320, West Chester, PA 19380-0990The Chester County Department of Aging Services offers a wide range of assistance and support programs. These include information and referral to other government programs or benefits systems, scheduled transportation and in-home assistance services. The Chester County AAA also administers several senior centers in the county and has staff on standby for help in protecting the elderly from abuse.
The Kennett Area Senior Center(610) 444-4819427 S. Walnut St, Kennett Square, PA 19348
The West Chester Area Senior Center(610) 431-4242530 E. Union St. West Chester, PA 19382The Kennett Area Senior Center and Westchester Area Senior Center offer similar programming to seniors living in different areas of Chester County. Seniors can participate in group meals, day and evening activity programs for exercise, hobbies, arts and crafts, games and social events. There are also courses in computer literacy, safe driving, health and nutrition and in cultural areas such as languages and art appreciation. Free health screenings are also available.
Meals on Wheels of Chester County(610) 430-8500404 Willowbrook Lane, West Chester, PA 19382The nonprofit Meals on Wheels of Chester County works with several local organizations such as the Chester County Department of Aging to offer home delivery of balanced lunches to seniors of the county. Homebound residents of all adult ages may apply for meal delivery and food is delivered Monday to Friday without distinction for economic status. The Meals on Wheels program also offers wellness checkups and delivers emergency provisions of food with a long shelf life to clients during the winter months.
Pennsylvania Weatherization Assistance Program for Chester County Residents(610) 521-87701414 Meetinghouse Road, Boothwyn, PA 19061The Pennsylvania Weatherization Assistance Program is administered locally for Chester County residents through the Community Action Agency of Delaware County, Inc. Elderly residents and all others who qualify based on income levels or enrollment in other government support programs such as SSI are eligible for free home weatherization regardless of whether they rent or own their residence. In Pennsylvania, income limits mean having to earn less than $25,760 per year for a single-person home. Two-person homes should earn less than $34,840.

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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