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The 10 Best Home Care Agencies for Seniors in Fort Mill, 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 Fort Mill, SC, residents and their loved ones rate In Home Care agencies 4.6 out of 5 stars across the 20 options below.

Home Care Services in Fort Mill, South Carolina

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On this page:

  • Home Care Services in Fort Mill, South Carolina
  • Paying for Home Care in Fort Mill, SC
  • Financial Assistance for Home Care in Fort Mill, SC
  • Fort Mill Home Care Resources
  • Determining Your Loved One’s Need for In-Home Care
  • Guidelines for Talking About In-Home Care

Paying for Home Care in Fort Mill, SC

The Cost of Home Care in Fort Mill, SC

The 2021 Genworth Cost of Care Survey shows that based on rates in nearby Charlotte, North Carolina, seniors in Fort Mill pay $4,668 per month for home care. This is a couple hundred dollars more than the South Carolina average, but it’s about $300 less than the national norm. Care costs in Greenville are roughly the same as in Fort Mill, but in Columbia, home care agencies charge about $300 less for services. In Florence and Spartanburg, monthly care costs are about $500 less than in Fort Mill. 

Fort Mill

$4,668

South Carolina

$4,433

The United States

$4,957

Spartanburg

$4,076

Florence

$4,195

Columbia

$4,385

Greenville

$4,671

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

Home care agencies in Fort Mill charge $4,668 monthly for nonmedical services such as housekeeping, personal care and meal preparation. Home health care agencies provide these services along with skilled nursing and charge an additional $100 per month. Adult day health care costs less than half the monthly rate of home care, and assisted living is about $270 less. Nursing home care, which is for those with medical needs, costs about $3,000 more than home care.

Home Care

$4,668

Home Health Care

$4,767

Adult Day Health Care

$1,192

Assisted Living

$4,400

Nursing Home Care (semiprivate room)

$7,756

Note: Data for Fort Mill was unavailable, so data for the nearest city, Charlotte, NC, was used instead.

Financial Assistance for Home Care in Fort Mill, 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.

Fort Mill Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Fort Mill:

ResourceContactAddressService
Meals on Wheels(803) 328-0197P.O. Box 11519, Rock Hill, SC 29731Meals on Wheels delivers homemade meals to seniors in Fort Mill. All meals provide one-third of the recommended daily allowances as set forward by the U.S. Department of Agriculture and the U.S. Department of Health and Human Services. To qualify for Meals on Wheels, seniors must be at least 60 years of age and homebound.
Legal Assistance for Seniors(803) 799-6653950 Taylor St, Columbia, SC 29201This program, which is supported by the South Carolina Department on Aging, gives seniors free access to legal advice on a wide range of topics ranging from income protection to elder abuse. Seniors can receive legal assistance regarding housing, health care, protective services and long term care as well. Interested applicants should contact the South Carolina Bar Association to learn more.
Senior Community Service Employment Program(803) 734-99001301 Gervais Street, Suite 350, Columbia, SC 29201The Senior Community Service Employment Program provides seniors with local employment opportunities. In order to participate, seniors must be at least 55 years of age and meet some income requirements. This program keeps seniors active and engaged in the community. Acceptance into the program is limited to 120 seniors per year. 
State Health Insurance Assistance Program(800) 868-90951301 Gervais Street, Suite 350, Columbia, SC 29201This federally funded program gives seniors access to informational resources and counseling to better understand Medicare programs. The program’s counselors provide seniors with information about coverage options and help them with appeals or billing issues. For more information, seniors should contact the South Carolina Department on Aging.

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

Reviews of Communities Nearby

Home Care

Cheryl_3

I am a current client of this provider

Review of BrightStar Care Rock Hill

They give us respite care so it's very helpful. I would recommend them because of their quick response to my needs.

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Home Care

Joanna T_2

I am a current client of this provider

Review of BrightStar Care Rock Hill

There are only a few things I need their help with. They are reliable.

Read more

Home Care

Janice Y_1

I am a past client of this provider

Review of BrightStar Care Rock Hill

They are very thorough. Christina was very impressive. They helped me.

Read more

In Home Care near Fort Mill, 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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