South Carolina’s senior population is growing and is expected to reach 1.8 million by 2030. Currently, an estimated 18.2% of the state’s 5,190,1705 residents are 65 and over. The state is tax-friendly toward retirees and has a cost of living that’s 11.5% lower than the national average. Older adults may also appreciate the mild winters and abundance of sunny days. The state is home to world-class hospitals, including MUSC Health-University Medical Center and McLeod Loris Seacoast Hospital.

In-home care in South Carolina costs $4,433 per month on average. Although there are similarities, home care and home health care differ. Medication assistance, vital sign monitoring, wound care or other therapies are examples of home health care services. In-home care assists with activities of daily living (ADLs) and instrumental activities of daily living (IADLs), which range from personal care tasks such as toileting and bathing to more complex tasks like housekeeping, grocery shopping and meal preparation.

This guide has cost information and comparisons for in-home care and other care types in South Carolina. In addition to the average cost of home care in nearby states and South Carolina’s top cities, this guide also contains Medicaid information and free resources for seniors.

The Cost of In-Home Care in South Carolina

According to data from Genworth’s 2021 Cost of Care Survey, home care in South Carolina averages $4,433 per month, which is lower than the national average of $4,957. Virginia has a home care cost of $4,767, while Tennessee is comparable at an estimated $4,576 for in-home care. North Carolina at $4,385 and Georgia at $4,290 per month are slightly less expensive, as is Alabama with an average monthly cost of $3,813 for home care.

$4433

South Carolina

$4957

The United States

$4767

Virginia

$3813

Alabama

$4385

North Carolina

$4576

Tennessee

$4290

Georgia

Costs for home care in South Carolina’s cities vary by several hundred dollars depending on location. Greenville has an average in-home care cost of $4,671 per month, while Myrtle Beach is slightly lower at $4,576 when it comes to monthly home care costs. Seniors in Florence pay around $4,195 for home care, while Sumter at $4,957 and Hilton Head Island at $5,577 per month are the most expensive areas.

$4671

Greenville

$5005

Charleston

$4957

Sumter

$4195

Florence

$5577

Hilton Head Island

$4576

Myrtle Beach

South Carolina’s older adults have other care options besides in-home care. Home health care provides home-based medical services and is slightly more per month at $4,481. Assisted living facilities aid with ADLs in a residential setting and often have amenities such as restaurant-style dining, on-site beauty salons and enriching scheduled activities, at a cost of around $3,612 per month. Around-the-clock supervision and skilled nursing are provided at nursing home facilities, which is the most expensive care type at $7,285 for a semiprivate room.

$4433

In-Home Care

$4481

Home Health Care

$7285

Nursing Home Care

$3612

Assisted Living

$1408

Adult Day Health Care

Does Medicaid Cover Home Care in South Carolina?

South Carolina Medicaid covers home care for its senior residents. This program — called Healthy Connections — provides coverage for in-home care and other services through the Community Choices Waiver. Elderly residents who receive this waiver receive all regular Healthy Connections services plus a wide range of other services including but not limited to companion services, personal care, limited skilled nursing, and some types of medical equipment and supplies.

Home Care Waiver Programs in South Carolina

Community Choices Waiver (CCW)

The Community Choices Waiver is for Medicaid recipients or those who financially qualify and need a nursing facility level of care. Seniors who meet eligibility requirements can receive the following services:

  • Various levels of personal care
  • Companion services
  • Home adaptations and pest control
  • Nutritional services
  • Limited skilled nursing
  • Adult day health care
  • Respite care
  • Incontinence supplies
  • Personal Emergency Response System (PERS)

If you have questions or want to apply for the Community Choices Waiver, contact your Medicaid caseworker or call South Carolina Healthy Connections customer service at (888) 549-0820.

How to Know If You’re Eligible for Medicaid in South Carolina

South Carolina seniors must meet financial requirements in order to receive Medicaid. For a single senior applicant, annual income can’t be higher than $13,590 and assets can’t total more than $8,400 in value. The income limit for two-person households where both seniors are applying is $18,310, and the asset limit is $12,600.

2022 Medicaid Income Limits for Seniors in South Carolina

Income Limits*
Asset Limits

Single Person

$13,590

$8,400

Two-Person Household

$18,310

$12,600

*Per year

There are additional eligibility requirements in order to qualify for South Carolina Healthy Connections Medicaid. Applicants must:

  • Be age 65 or older, or
  • Blind and/or disabled
  • A South Carolina resident
  • A U.S. citizen or qualified non-citizen

How to Apply for Medicaid in South Carolina

There are several ways you can apply for Medicaid in South Carolina. The South Carolina Department of Health and Human Services recommends online applications as they’re the fastest option.

If you’d prefer to apply by phone, call the Healthy Connections Medicaid Member Contact Center at (888) 549-0820.

In-person applications are taken at Medicaid county offices throughout South Carolina. Call your local office to find out if you need an appointment or can apply on a walk-in basis.

You can also print and mail a paper application, or request one mailed to you by your local county office. Mail your completed application to SCDHHS Central Mail, PO Box 100101, Columbia, SC 29202-3101.

What Information You Will Need

Supporting documentation must be included with your South Carolina Healthy Connections Medicaid Application. Required documents include:

  • Proof of identification
  • Social Security card
  • Proof of income
  • Copies of insurance policies
  • Bank statements
  • Copies of rent and/or mortgage and other bills

How to Get Help Applying for Medicaid

There are agencies and offices that can help seniors complete their Medicaid applications. The following resources are available online and by phone to help South Carolina residents navigate the application process.

Contact
Area Served
Services Provided

(888) 549-0820

Entire State

If you or a loved one needs help applying for Medicaid, contact a customer service representative by calling the South Carolina Healthy Connections Medicaid office.

(877) 267-2323

Entire State

Seniors can also call the national Medicaid office for assistance with their application. This website contains helpful information about the Medicaid program and how to apply, so older adults may find answers to their questions without having to call customer service.

Online Resource

Location-dependent

Area Agencies on Aging (AAA) are located throughout South Carolina to serve seniors in all counties. Find your local AAA at the GetCareSC website, then call for Medicaid application assistance. These agencies can also refer seniors for financial assistance and other types of help.

Does Medicare Cover In-Home Care in South Carolina?

In general, Medicare does not cover the cost of non-medical home care. That being said, there are situations in which Medicare provides some coverage for medical home care, referred to as “Home Healthcare.” There are several eligibility restrictions for coverage, including that individuals must be homebound and have a referral from their doctor specifically for home healthcare services.

Below is an overview of some of the skilled medical professionals whose in-home services are typically covered by Medicare – for more in-depth information, refer to our Guide to Home Healthcare.

  • Physical Therapists: Physical therapy is used to help patients recover from injuries (broken bones, knee injuries, etc.), treat ongoing conditions such as arthritis, and assist in recovery from surgeries and procedures such as a knee or hip replacement.
  • Visiting Nurses: Licensed nurses can provide a number of medical services for those who don’t need to stay in the hospital, but do need regular medical services such as wound care, changing feeding tubes, etc.
  • Occupational Therapists: Occupational therapists help seniors regain or maintain the ability to accomplish normal, daily tasks, such as bathing, dressing, eating, and other daily activities.
  • Speech Therapists: Speech therapists help seniors who are struggling to adequately communicate due to a stroke, dementia, or any other cause regain the ability to functionally communicate using a variety of means. Additionally, speech therapists help to keep seniors independent by modifying diets, teaching special techniques to swallow safely, and retraining associated muscles.

As mentioned above, in-home care is distinctly different from home healthcare. But, there can be some overlap in services between the two types of care. So, while Medicare doesn’t cover non-medical in-home care, there are in-home care services that may be covered in special circumstances when they’re provided in conjunction with home healthcare (such as an occupational therapist helping with eating or dressing)

Other Financial Assistance Options for In-Home Care in South Carolina

While the above programs help many people finance in-home care, they will not cover all costs for everyone. There are other ways to pay for in-home care, including out-of-pocket arrangements with siblings, annuities, reverse mortgages, private insurance and more. Read Caring.com’s Guide to In-Home Care Costs to learn more about these alternative payment options.

Free and Low-Cost Resources for Seniors in South Carolina

There are free resources for seniors in South Carolina. Older adults can get help paying rent and energy bills, and there’s free legal representation available. The state has nutritional programs for aging adults, along with free transportation services. There are home repair grants for senior homeowners with urgent repair issues.

Contact
Area Served
Services Provided

(202) 708-1112

Entire State

South Carolina seniors who fall within income limits may qualify for rental assistance through HUD. The website has links to public housing and voucher programs throughout the state to help older adults manage rental costs.

(803) 734-0662

Entire State

Low-income seniors may qualify for South Carolina’s LIHEAP, an assistance program that pays energy costs. Seniors can contact their local Community Action Agency for more information or apply.

(803) 253-3093

Entire State

The USDA has grant programs for seniors that cover the cost of necessary home repairs. Applicants must meet eligibility criteria, which include but aren’t limited to income limits.

(800) 868-9095

Entire State

Seniors can find legal aid information through the South Carolina Department on Aging. This department provides older adults with free legal resources through partnerships with the SC Bar and SC Bar Pro Bono Program. There are volunteer attorneys who provide representation at no cost for South Carolina’s low-income seniors.

(800) 868-9095

Entire State

Through the Department on Aging, South Carolina seniors can receive free home meal delivery. The nutrition page of the SCDOA site has eligibility information, application links and details about meal delivery and other nutritional programs for older adults.

Online Resource

Entire State

SCIWAY is South Carolina’s online directory of free and low-cost resources for residents. There’s a directory of local transit providers that offer free or reduced-rate fares to seniors in South Carolina.

COVID-19 Rules for In-Home Care Providers in South Carolina

As of April 2022, South Carolina in-home care providers must adhere to the current COVID-19 vaccine mandate unless determined to be exempt. There may also be specific regulations about personal protective equipment (PPE) such as gloves and masks while providing home care services.

Rules regarding COVID-19 in South Carolina are subject to change at any time. Plus, different home care agencies may have their own rules regarding vaccines, boosters and PPE that staff must follow. Check with your in-home care agency for the most recent information or contact the South Carolina Department of Health and Environmental Control to find out more about state regulations and recommendations.

In-Home Care Laws and Regulations in South Carolina

Not everyone is permitted to act as an in-home caregiver in South Carolina. Oversight of caregivers is provided by the South Carolina Department of Health and Environmental Control. The below chart summarized the rules and regulations regarding care agencies.

In-Home Care Laws and Regulations in South Carolina
Scope of Care
A home care provider is any entity, whether for profit or not for profit, that makes or provides provisions for in-home care, including any service that includes physical, occupational, or speech therapy, medical social services, home health aide services, or other forms of medical therapy.
Care Plan Requirements
Caregivers must create a care plan and receive all the appropriate training required to carry out the tasks required.
Medication Management
If applicable, caregivers must offer medication assistance to home care clients.
Staff Screening
Background checks are required of all personnel working in a care capacity. Caregivers are required to be able to pass random drug screenings which, at minimum, must be in the form of a five-panel test.
Staff Training
Staff members are required to be trained in all areas related to performing care. Staff training certificates are required to be dated and signed by both those providing and receiving training. At minimum, training should include basic first aid, medication assistance, mental and physical disability training where possible, confidentiality policies, and documentation and record keeping.
Medicaid Coverage
Medicaid programs can be accepted for care when patients qualify for such care in their policies. This will depend on individual care requirements.
Reporting Abuse
Abuse in elder care capacities should be reported to the Long-Term Care Ombudsman program at 1-800-868-9095. Abuse can be reported by care agencies, seniors, or their families and advocates.

Frequently Asked Questions

How Much Does In-Home Care Cost in South Carolina?

In-home care in South Carolina costs, on average, $3,813 per month, according to Genworth Financial’s 2019 Cost of Care Survey. This is lower than the national average of $4,200. Home health care is only marginally more expensive with an average price of $4,000. Some of the cities in the state, like the greater Charleston area, have prices around $400 more than the state average.

Are There Financial Assistance Programs for In-Home Care in South Carolina?

Yes, South Carolina does have financial assistance programs in place for in-home care. Seniors eligible for Medicare are permitted to receive select assistance under the PACE program, or Program of All-Inclusive Care for the Elderly. Other financial assistance options may be available through the local South Carolina Area Agencies on Aging locations, but this will vary based on area and need. AAAs are about to connect seniors to local nonprofits that can offer further aid, both financial and otherwise.

Are There Transportation Assistance Programs in South Carolina?

Seniors who cannot drive may be eligible for transportation assistance. Transportation assistance is available for medical care appointments as well as community living obligations like shopping and dining. The program can also help seniors explore potential public transportation alternatives where applicable. However, not all areas in South Carolina have public transportation.

What Are “Activities of Daily Living”?

Activities of daily living, or ADL tasks, refers to the kinds of activities that are required for everyday life. This includes things like getting out of bed, dressing, and eating. ADL provided by in-home care professionals can also include companionship, homemaker services such as cooking and cleaning, and hygiene tasks like bathing. In-home care does not include medical assistance beyond basic first aid and medication assistance; seniors who need additional nursing resources may benefit from home health aide care.

What Is the Difference Between In-Home Care and Home Health Care?

The primary difference between in-home care and home health care centers on the presence of medical assistance. In-home care is focused on basic tasks of daily living, like bathing, dressing, food preparation, and light cleaning. Home care providers are not licensed to do more than offer rudimentary first aid. However, home health care offers more comprehensive nursing care for clients with more extensive needs.

How to Find an In-Home Care Provider in South Carolina

Whether you are looking for yourself or a loved one, finding a quality home care provider can be a stressful process. When you hire an in-home care aide you’re placing a lot of trust in the hands of the person by inviting them into your home, so you’ll want to be diligent in your search. At Caring.com, we’re here to help – we’ve created a helpful checklist below that can help guide you through the process of both determining your needs and finding a home care agency that will provide the best care possible.

Finding a Home Care Provider Checklist

Find Home Care Agencies Near You

To find quality home care providers near you, simply input the zip code or city where you would like to start your search. We have an extensive directory of home care agencies all across the nation that includes in-depth information about each provider and hundreds of thousands of reviews from seniors and their loved ones.

2019

Griswold Home Care of Greenville, SC

405 S. Pine St, Spartanburg, SC, 29302

They made things easier by being professional and knowledgeable. I liked that they were dependable.
They made things easier by being professional and knowledgeable. I liked that they were dependable.

2019, 2020, 2021, 2022

Right at Home Upstate, SC

106 Commons Blvd, Suite D, Piedmont, SC, 29673

Right at Home has been my saving grace. We have used Right at Home on several occasions to care for my mother. They were very helpful with taking her to her appointments, making sure she had something … (read more)
Right at Home has been my saving grace. We have used Right at Home on several occasions to care for my mother. They were very helpful with taking her to her appointments, making sure she had something … (read more)

2019, 2020

Complete Homecare of America

128 Millport Circle, Suite 200, Greenville, SC, 29607

A current customer for almost 6 months now. Very responsive, professional. The patient has improved week after week. This is a direct response to the extra care and encouragement given by our assist … (read more)
A current customer for almost 6 months now. Very responsive, professional. The patient has improved week after week. This is a direct response to the extra care and encouragement given by our assist … (read more)

Home Instead – Greenville, SC

3505 Pelham Rd, Suite D, Greenville, SC, 29615

Timely arrival,flexible as to duties, extremely friendly
Timely arrival,flexible as to duties, extremely friendly

Always Best Care of Greenville

33 Market Point Dr., Greenville, SC, 29607

My wife is a recent former client of Always Best Care. The only reason we are no longer using their services is she was approved for Medicaid. Bruce was great during his initial visit to find out m … (read more)
My wife is a recent former client of Always Best Care. The only reason we are no longer using their services is she was approved for Medicaid. Bruce was great during his initial visit to find out m … (read more)

Right at Home – ‌East Greenville

300 E Coffee St, ‌Ste 101‌, Greenville, SC, 29601

Right at Home provides in-home caregiving services for thousands of families across the nation. We offer companionship and help with everyday tasks that have become challenging for an aging person. Th … (read more)
Right at Home provides in-home caregiving services for thousands of families across the nation. We offer companionship and help with everyday tasks that have become challenging for an aging person. Th … (read more)

Cornerstone Caregiving of Greenville

1 Caledon Ct Ste D, Greenville, SC, 29615

In-home caregiving services is one of the fastest growing industries in the United Sates. Cornerstone Caregiving provides in-home caregiving services to elderly individuals so they can remain the dign … (read more)
In-home caregiving services is one of the fastest growing industries in the United Sates. Cornerstone Caregiving provides in-home caregiving services to elderly individuals so they can remain the dign … (read more)

AccordCare

25 Woods Lake Road, Building 4, Suite 409 , Greenville, SC, 29607

AccordCare company provides full-service private duty home care that is customized to your needs, allowing you to stay in your home where you feel most comfortable. We also offer specialized in-home n … (read more)
AccordCare company provides full-service private duty home care that is customized to your needs, allowing you to stay in your home where you feel most comfortable. We also offer specialized in-home n … (read more)

Elite Home Care

2000 Bud Arthur Bridge Road, Spartanburg, SC, 29307

Thank you Elite Care for the at home service you provided for our loved one. The staff was very professional and pleasant.
Thank you Elite Care for the at home service you provided for our loved one. The staff was very professional and pleasant.

2019, 2021, 2022

All Hearts Homecare, LLC

1200 Woodruff Road, Suite A3, Greenville, SC, 29607

They always make sure we get everything we need due to covid. They are reliable and nice.
They always make sure we get everything we need due to covid. They are reliable and nice.

2018, 2019

SYNERGY HomeCare of Greenville

439 Congaree Road, Suite #8, Greenville, SC, 29607

The only complaint I have is that once the caregiver had their battery die on their phone, and it was not professional to have that happen when they needed to communicate with me. They need to make l … (read more)
The only complaint I have is that once the caregiver had their battery die on their phone, and it was not professional to have that happen when they needed to communicate with me. They need to make l … (read more)

Assisting Angels Homecare

620 Howell Rd Unit 10, Greenville, SC, 29615

Assisting Angels provides non-medical care like help with bathing, getting to the bathroom, driving to appointments, cooking and light housekeeping. They also provide care for those with dementia and … (read more)
Assisting Angels provides non-medical care like help with bathing, getting to the bathroom, driving to appointments, cooking and light housekeeping. They also provide care for those with dementia and … (read more)

FirstLight HomeCare Greenville and Simpsonville

25 Woods Lake Rd., Suite 300 , Greenville, SC, 29607

First Light was very informative and helpful in the care of Father. They adopted well in assisting with changing conditions and we were comfortable at all times with their compassionate staff.
First Light was very informative and helpful in the care of Father. They adopted well in assisting with changing conditions and we were comfortable at all times with their compassionate staff.

Upstate Home Care Solutions, LLC

113 W Antrim Dr., Greenville, SC, 29607

The services are new, but I’m enjoying the new caregiver. She is always on time and assists me throughout the home.
The services are new, but I’m enjoying the new caregiver. She is always on time and assists me throughout the home.

Regency Hospital of Greenville

1 Saint Francis Drive, 4th Floor, Greenville, SC, 29601

I flew my husband from California to Regency to be rehabillitated from a head injury plus a heart attack which left him in a coma. I can’t say enough about the compassion, caring staff at this hospi … (read more)
I flew my husband from California to Regency to be rehabillitated from a head injury plus a heart attack which left him in a coma. I can’t say enough about the compassion, caring staff at this hospi … (read more)

@ Home Senior Care

657 South Coit Street, Florence, SC, 29501

@ Home Senior Care is very receptive. They are willing to do whatever it is needed to be done to work out the schedule for my dad. They took the time to make sure to interview my dad and place the rig … (read more)
@ Home Senior Care is very receptive. They are willing to do whatever it is needed to be done to work out the schedule for my dad. They took the time to make sure to interview my dad and place the rig … (read more)

Heavenly Care Services

1990 Augusta Street,, Greenville, SC, 29605

I got someone to come in to where my parents are currently living. It is not skilled nursing but just help with their ADLs. It is an agency that does personal care, housekeeping and that kind of thing … (read more)
I got someone to come in to where my parents are currently living. It is not skilled nursing but just help with their ADLs. It is an agency that does personal care, housekeeping and that kind of thing … (read more)

Home Care Assistance Greenville SC

7 Brendan Way, Suite B, Greenville, SC, 29615

I am very pleased with the caregivers that I have from this facility. The administrators are very easy to work with and the CNA’s I have are excellent. I would definitely recommend this Agency.
I am very pleased with the caregivers that I have from this facility. The administrators are very easy to work with and the CNA’s I have are excellent. I would definitely recommend this Agency.


Bewell Home Services – Greenville

429 North Main Street Suite 3, Greenville, SC, 29601

We worked with Bewell Home Services when Dad was in a skilled nursing facility. Overall, they were angels. They were compassionate, educated, knowledgeable, and helpful, and offered guidance and suppo … (read more)
We worked with Bewell Home Services when Dad was in a skilled nursing facility. Overall, they were angels. They were compassionate, educated, knowledgeable, and helpful, and offered guidance and suppo … (read more)

Home Care Services in South Carolina (260)