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The 10 Best Home Care Agencies for Seniors in Providence County, RI for 2024

Providence County is the largest county within Rhode Island and home to the state capital, Providence. According to Caring’s Senior Living report, Providence is the best living area for Rhode Island seniors and the 17th best in the country for senior quality of life. Given the senior-friendly environment of the area, it’s no surprise that Providence County has a wide range of senior care options available. Residents of this area live within driving distance of all hospitals within the state of Rhode Island, with the best being Miriam Hospital. By driving just over the state line to Massachusetts, seniors can also visit South Coast Hospital.

According to the 2021 Genworth Cost of Care Survey, Providence seniors should expect to pay an average of $5,720 per month for home care services. Home care is intended for those seniors who need only minor medical help. Seniors who require more skilled medical services, such as IV medication or wound care, should consider home health care.

Below we’ve compiled a comprehensive directory of every home care provider in Providence 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 Providence County, RI

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Paying for Home Care in Providence County, RI

The Cost of Home Care in Providence County, RI

According to the 2021 Genworth Cost of Care Survey, home care in Providence will cost residents an average of $5,720 per month, in line with the Rhode Island state average, and $763 per month higher than the national average. Similar prices can be found in the nearby Worcester, Massachusetts, area. Seniors looking for a lower price can move west to nearby Norwich, Connecticut, where the cost of home care is $214 cheaper. 

Providence

$5,720

Rhode Island

$5,720

The United States

$4,957

Norwich, CT

$5,506

Barnstable, MA

$6,673

Worcester, MA

$5,720

The Cost of Home Care vs. Other Senior Care Options in Providence County, RI

Residents of Providence have a variety of elder care options, with home care averaging around $5,720 per month. For seniors who need more skilled medical help, home health care costs $191 more each month. The lowest cost option is an adult day health program, at around $1,658 a month. In Providence, assisted living costs $343 more per month than home care, and is meant for seniors who require more supervision and assistance. The last and most expensive option is nursing home care, which provides the highest level of service but costs $4,470 more than in-home care.

Home Care

$5,720

Home Health Care

$5,911

Adult Day Health

$1,658

Assisted Living

$6,063

Nursing Home Care (semiprivate room)

$10,190

Financial Assistance for Home Care in Providence County, RI

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.

Providence County Home Care Resources

ResourceContactService
Fox Point Senior Center(401) 751-2217This center is a nonprofit organization that provides a variety of services to seniors 55 years and older as well as people with disabilities. It offers health screenings, lunches provided by Meals on Wheels, exercise classes, recreational activities and educational workshops. The center also provides information and referrals to programs as well as assistance with paperwork.
Meals on Wheels of Rhode Island(401) 351-6700Meals on Wheels is a nonprofit organization that provides home-delivered meals for seniors 60 years and older who have difficulty leaving the home, as well as for their pets. It also operates senior cafés and provides meal vouchers for partnered restaurants. Funding is provided by the federal and state government with a suggested donation of $3 per delivered meal or meal from the café and $5 for a restaurant voucher. Transportation is also available to the nearest café.
Rhode Island Office of Healthy Aging(404) 584-1000The Rhode Island Office of Healthy Aging connects seniors 55 years and older with resources and services in their area and assists with applications for public and private programs. Services include at-home companionship, education in chronic disease management, home-delivered meals, free or reduced-cost legal services and assistance with costs for prescription drugs. The office also provides protective services against financial and physical abuse.
Ride Paratransit Program(401) 461-9760The Rhode Island Public Transit Authority operates a paratransit service for people with a disability that prevents them from being able to ride the fixed-route buses or get to the bus stops. This door-to-door service costs $4 each way and must be scheduled in advance, with pickup and dropoff locations within 3/4-mile of the fixed-route. The paratransit rides operate during the same hours as the fixed-route services.
Weatherization Assistance Program(401) 273-2000The Community Action Partnership of Providence County provides weatherization assistance to low-income residents to make their homes more energy-efficient. Services include providing insulation for floors, attics and walls, as well as ensuring appliances are running efficiently and not emitting harmful gases. To qualify, residents must be approved for the federal Low Income Home Energy Assistance Program (LIHEAP) which requires an income below 60% of the state median 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
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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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