The 10 Best Home Care Agencies for Seniors in Easton, 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 Easton, PA, residents and their loved ones rate In Home Care agencies 4.0 out of 5 stars across the 20 options below.

Based on data in the Genworth 2021 Cost of Care Survey, home care costs in Easton are estimated at $5,196 per month. This is a couple hundred dollars over the state and national norms, which average $4,957. While local rates are several hundred dollars higher than home care costs in Scranton, which average $4,576, they’re comparable to rates in other cities on the east side of Pennsylvania. Rates in East Stroudsburg are in line with Easton’s norm at $5,144, and in Lebanon, rates exceed the local average by about $50. In Philadelphia, home care agencies charge higher rates of $5,329 for care. 

Home care costs in Easton average $5,196. This is several hundred dollars higher than the cost of assisted living, which provides residential care for $4,784 per month. Adult day health care costs $1,625, offering significant monthly savings over private in-home care. However, home care costs about $50 less than home health care, which includes skilled nursing, and it’s less than half the cost of nursing home placement, which costs $12,461 for semiprivate accommodations.

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.