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

Q: What is the difference between in-home care and home health care?

<a href="https://www.caring.com/senior-care/in-home-care/">In-home care</a> and <a href="https://www.caring.com/senior-care/home-health-agencies/">home health care</a> can enable seniors to remain in their homes even with functional challenges, but they provide different levels of care. In-home care includes nonmedical assistance with day-to-day activities. Some services agencies may provide include help with household tasks such as dishes and laundry, assistance with bathing and personal grooming, medication reminders and transportation for errands and appointments. Home health care includes skilled nursing services such as medication administration, wound care, disease management and rehabilitative therapies.

Q: What is the average cost for in-home elderly care in Coatesville, PA?

The <a href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html">Genworth Cost of Care Survey</a> reports that seniors in Coatesville pay $5,339 per month for in-home care, making it among the more economically priced long-term care options in the city. This figure is based on an hourly rate of $28 and assumes 44 hours of care per week, or 8.8 hours per weekday. If you need around-the-clock attendance or care on evenings or weekends, your home care costs may exceed the norm. However, you may save money by obtaining care through community-based resources such as the Area Agency on Aging.

Q: How do you pay for senior care at home?

You have several options for <a href="https://www.caring.com/senior-care/in-home-care/how-to-pay/">paying for home care</a>, even if your retirement income isn&rsquo;t enough to comfortably cover regular services. For some families, collective sibling agreements may be an option for handling care expenses. Certain life insurance policies have living benefits that can be used to pay for home care expenses, and many long-term care insurance policies offer this coverage. You may also be able to take out a reverse mortgage or convert a lump sum of cash to a steady stream of income by purchasing an annuity.

Q: Assisted living homes vs. home care: how to decide?

To determine whether <a href="https://www.caring.com/senior-living/assisted-living/">assisted living</a> or home care is the best option for you, it&rsquo;s helpful to consider your current and future care needs, lifestyle preferences and budget. Assisted living may be a good option for seniors who anticipate significant changes in their care needs or who want freedom from the responsibilities of homeownership. In Coatesville, this option costs slightly more than home care but includes housing and meals, making it more affordable for many. In-home care may be ideal if you want to remain in the privacy of your home and to have the ability to choose and train your caregivers.

Q: Can you write off in-home elderly care?

In most cases, seniors can only <a href="https://www.irs.gov/pub/irs-pdf/p502.pdf">write off in-home medical care</a>, though there are limited exceptions in which someone can deduct nonmedical personal care services from their taxes. If a home health care provider administers nonmedical services along with medical care, only the medical care they provide is eligible for deduction. To qualify for this tax break, you need to itemize your expenses, and you can only deduct the amount that exceeds your annual pretax income.

Coatesville is a small community of about 13,000 people in the eastern region of Pennsylvania, offering comfortable weather throughout the year, senior-friendly state income tax laws and cheaper-than-average housing. While less than a tenth of the city’s population is aged 65 and over, Coatesville supports its senior community through access to high-performing hospitals and several home care agencies. These agencies provide services such as housekeeping, meal preparation, personal care and companionship for $5,339 per month for full-time services. This type of care doesn't include skilled nursing services such as medication administration and disease management, but seniors can obtain in-home medical support through one of the region's home health care agencies.

Below we've compiled a comprehensive directory of every home care provider in the Coatesville 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 Coatesville, PA

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Paying for Home Care in Coatesville, PA

The Cost of Home Care in Coatesville, PA

In Coatesville, the Genworth Cost of Care Survey reports that home care agencies charge $5,339 per month for full-time care, which exceeds state and national norms by about $380. The city is a costly place to obtain this level of care compared to other surveyed cities in the region, including Lebanon, where rates are about $100 less, and York, where seniors spend about $570 less. In Reading, rates are comparatively competitive at $4,576, and in Bloomsburg, care costs fall about $1,100 lower than in Coatesville.

Coatesville

$5,339

Pennsylvania

$4,957

United States

$4,957

Reading

$4,576

Lebanon

$5,243

York

$4,767

Bloomsburg

$4,242

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

Home care costs $5,339 per month in Coatesville, which is moderate compared to other senior care options. Older adults who attend adult day health care pay about $3,500 less per month than those who receive private in-home care. However, home care costs about $95 less than home health care, which includes skilled nursing. Seniors who live in assisted living facilities pay slightly higher monthly rates of $5,550 for residential care, and nursing homes charge base monthly rates of $11,528.

Home Care

$5,339

Home Health Care

$5,434

Adult Day Health Care

$1,837

Assisted Living

$5,550

Nursing Home Facility (semiprivate room)

$11,528

Note: Data for Coatesville was unavailable, so data for the nearest city, Lancaster, was used instead.

Financial Assistance for Home Care in Coatesville, 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 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.

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