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The 10 Best Home Care Agencies for Seniors in Florence, SC 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 Florence, SC, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 12 options below.

Home Care Services in Florence, South Carolina

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Paying for Home Care in Florence, SC

The Cost of Home Care in Florence, SC

The cost for seniors to receive home care in Florence is approximately $4,195 per month, according to Genworth’s 2021 Cost of Care Survey. This is less than the state average of $4,433 and the national average of $4,957. One of the variables is the cost of living for the area. Near the center of the state in Sumter, the cost is about $800 more than Florence and aligned with national averages. In Spartanburg, seniors can expect to pay around $100 less than Florence. Myrtle Beach is a tourist destination, so residents pay more at $4,576 per month.

Florence

$4,195

South Carolina

$4,433

United States

$4,957

Sumter

$4,957

Spartanburg

$4,076

Myrtle Beach

$4,576

The Cost of Home Care vs. Other Senior Care Options in Florence, SC

Home care and home health care in Florence have the same monthly cost at $4,195, even though home health care includes skilled nursing and light medical services. Adult day health care is a much more affordable option for care at $1,222, but it helps only during the daytime hours. Assisted living facilities are for active seniors who need varying levels of care but prefer to reside in a residential community. They are around $739 less than home care, and a semiprivate room in a nursing home is the most expensive option at $6,844 per month. 

In Home Care

$4,195

Home Health Care

$4,195

Adult Day Health Care

$1,222

Assisted Living Facility

$3,456

Nursing Home Care (semiprivate room)

$6,844

Financial Assistance for Home Care in Florence, SC

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 Florence, SC

Seniors who receive personal care in their homes can take care of their property and receive financial assistance through several programs and services. These programs may help with home repairs, bills, taxes and meal delivery. Seniors can contact the numbers below to learn more.

ResourceContactService
ElderCare Trust Fund(803) 734-9903The ElderCare Trust Fund provides money to organizations which help seniors with repairs and weatherization. Seniors can contact the program directly to find out what services are available, as well as learn about the qualifications and how to apply.
South Carolina Weatherization Assistance Program(803) 734-0662The South Carolina Weatherization Assistance Program helps seniors make their homes more energy efficient to reduce their home energy costs. Repairs include installing caulking, repairing or replacing roofs, doors and windows and replacing failing or older HVAC systems and hot water heaters.
South Carolina Low Income Home Energy Assistance Program (LIHEAP)(803) 734-0662LIHEAP helps low-income seniors and those with disabilities address their past due energy bills. The program is funded by the U.S. Department of Health and Human Services and makes direct payments to the utility companies. Seniors may only apply for assistance once per year.
Meals on Wheels of Florence County(843) 669-6761Meals on Wheels provides hot meals to seniors throughout the county, five days a week, except for holidays. The program also delivers meals to congregate meal sites, including local senior centers. Volunteers provide well checks and companionship.
Florence Homestead Exemption(843) 665-3088Seniors aged 65 and older may apply for a homestead exemption to reduce the amount of property tax owed on their homes each year. The exemption applies to the first $50,000 of the fair market value of the property. To qualify, the seniors must make the home their primary residence and reside in South Carolina for the entire year.

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 – often times 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

glammama

I am a past client of this provider

Review of Nightingale's Nursing & Attendant Care Services, Inc

We used Nightingale's Nursing & Attendants for both our parents for many years before they passed. No one could have been more caring and dependable. Even the back up and free nursing oversight...

Read more

Home Care

Sherika

I am a current client of this provider

Review of Comfort Keepers of Florence

My mom is staying at home with an in-home caregiver from Comfort Keepers. They're fantastic. They provide help with her bathroom and toilet, light housekeeping, cooking, and companionship. She...

Read more

Home Care

Helen

I am a current client of this provider

Review of Comfort Keepers of Florence

I have someone coming to the home from Comfort Keepers of Florence. They help with pretty much anything I ask. They'll do housekeeping, run errands, help with my husband's personal care and cook....

Read more

In Home Care near Florence, SC

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Other Options in Florence, SC

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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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