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

Philadelphia is the third-best city in the state of Pennsylvania for retirees, according to Caring.com’s 2022 Senior Living Report. The city ranked high in areas such as housing and quality of life. Residents can choose from several medical facilities, including the highly rated Hospital of the University of Pennsylvania and the PHMC Public Health Campus on Cedar. Home care agencies in the city cost $5,329 on average each month, while home health care providers charge $5,339. Both providers include personal care services such as assistance with bathing and dressing. However, home health care services also offer nursing care.

Below we’ve compiled a comprehensive directory of every home care provider in the Philadelphia 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.

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Home Care Agencies in Philadelphia, PA

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Paying for Home Care in Philadelphia, PA

The Cost of Home Care in Philadelphia, PA

According to the 2021 Genworth Cost of Care Survey, older Philadelphians pay $5,329 on average each month for in-home care. Prices in the area are higher than the state and national shared average of $4,957. As the largest city in the state, Philadelphia also has some of the highest home care rates in Pennsylvania’s southeastern region, surpassed only by Lancaster ($5,339). Costs in Allentown are $133 lower than in Philadelphia. Seniors in areas such as York ($4,767) and Reading ($4,576) can expect to pay significantly less than in Philadelphia for their in-home care. 

Philadelphia

$5,329

Pennsylvania

$4,957

The United States

$4,957

York

$4,767

Lancaster

$5,339

Reading

$4,576

Allentown

$5,196

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

At $5,329 a month, home care provides non-medical care services such as help with bathing, meal prepping and housekeeping. Home health care is staffed by trained nurses who also offer light medical services at an average rate of $5,339. The least expensive senior care type in Philadelphia is adult day health care, at a monthly cost of $1,777. Assisted living facilities charge around $5,685 per month. Nursing homes cost $11,437 each month for a semiprivate room. 

Home Care

$5,329

Home Health Care

$5,339

Adult Day Health Care

$1,777

Assisted Living Facility

$5,685

Nursing Home Facility (semiprivate room)

$11,437

Financial Assistance for Home Care in Philadelphia, 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 Philadelphia, PA

For older adults who need help with continuing to age independently at home, there are several Philadelphia agencies offering assistance. These programs are free of charge for eligible seniors. 

ResourceContactService
Philadelphia Corporation for Aging Help in the Home Programs(215) 765-9000The PCA operates several programs promoting independent living for older adults. PCA care managers can help seniors adequately plan for their long-term care needs. Eligible seniors might benefit from an in-home caregiver with the In-Home Support Program and the Domiciliary Care Program. The agency can provide minor home repair services such as repairing stairs, replacing electrical outlets and installing railings.
SeniorLAW Center(877) 727-7529Seniors in Philadelphia can receive advice, referrals and representation from volunteer attorneys and legal advisers with the SeniorLaw Center. Services are free of charge for eligible older adults. Seniors can get assistance in civil law areas such as housing, family law, consumer law and advance planning.
Pennsylvania Medicare Education and Decision Insight(800) 783-7067Medicare beneficiaries can obtain advice about their insurance options with this free statewide counseling program. Callers can gain insight into topics including long-term care policies, Medicare enrollment and Medicare prescription drugs benefit.
Weatherization Assistance Program(215) 609-1000Older adults on low incomes can benefit from free home repairs that make their homes more energy-efficient, which can help reduce the cost of their gas and electric bills. The Weatherization program is federally funded and delivered locally by the Energy Coordinating Agency.
LIHEAP-Crisis-UESF Grants(215) 560-1583For seniors on a low income, the PGW offers several programs to help them pay for their energy bills. Eligible applicants may receive a set grant based on their household income.

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

Frequently Asked Questions

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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

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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