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

Philadelphia sits in the southeastern region of Pennsylvania at the confluence of the Delaware and Schuylkill Rivers, an area where seniors have 100 home care providers to choose from. The baseline rate for in-home care in Philadelphia comes to $4,767 in 2024, offering savings of almost $1,000 over the national median. This long-term care solution encompasses nonmedical custodial services in contrast to home health care, which meets skilled nursing needs.

You can read more about home care in Philadelphia in our directory, which includes 765 reviews reviews of local agencies. On average, reviewers give these agencies a score of 4.7 out of 5 stars stars.

Home Care Services in Philadelphia, Pennsylvania

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Paying for Home Care in Philadelphia, PA

The Cost of Home Care in Philadelphia, PA

The 2024 Genworth Cost of Care Survey reports monthly home care rates of around $4,767 in Philadelphia. By comparison, the state norm runs about $760 less, but the baseline rate exceeds Philadelphia’s median by about $950. In nearby cities such as Reading, rates come in below the local norm at approximately $3,776.

Philadelphia

$4,767

Pennsylvania

$4,004

United States

$5,720

Reading

$3,776

Lebanon

$5,148

Allentown

$5,339

Lancaster

$4,004

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

Home care agencies in Philadelphia charge a monthly rate of around $4,767 for full-time non medical care. Home health care, which includes basic medical services, costs about $1,330 more. Costs for assisted living and nursing home care are even higher at about $6,986 and $13,444, respectively. However, seniors who attend adult day health care pay roughly $2,170 less than those who obtain private care at home.

Home Care

$4,767

Home Health Care

$6,101

Adult Day Health Care

$2,600

Assisted Living Facility

$6,986

Nursing Home Care (semi-private room)

$13,444

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

Reviews of Communities Nearby

Home Care

Jennifer

I am a current client of this provider

Review of JEVS Care at Home

My mother is using JEVS Care at Home Philadelphia, PA. They do home care, cleaning, meal prep, and bathing. The staff is nice. They're on top of it. They're accommodating. The management is good. I...

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Home Care

ERIC J

I am a current client of this provider

Review of SYNERGY HomeCare of Philadelphia

The caregiver does everything that needs to be done. Andrea and Karima are so nice and understanding.

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Home Care

Bonnie JamisonBerry

I am a past client of this provider

Review of Right at Home Chestnut Hill, PA

My experience with Right at Home has been positive. They worked with my 100 year old mother and provided personal care, feedings, light housekeeping and paid close attention to her needs. They have...

Read more

In Home Care near Philadelphia, PA

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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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