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The 10 Best Home Care Agencies for Seniors in Collierville, TN 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 Collierville, TN, residents and their loved ones rate In Home Care agencies 5 out of 5 stars across the 27 options below.

Home Care Agencies in Collierville, TN

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Paying for Home Care in Collierville, TN

The Cost of Home Care in Collierville, TN

The 2021 Genworth Cost of Care Survey shows that Collierville is a budget-friendly option for those seeking home care. On average, locals pay $4,242 per month for this type of care, which is about $300 lower than the state rate of $4,576 and over $700 cheaper than the national median of $4,957. In Jackson, monthly care costs are even lower at $4,195, and in Morristown, rates are among the cheapest recorded in the state at $4,004. Collierville is an affordable alternative to Nashville, where seniors pay $4,767 for monthly home care services.

Collierville

$4,242

Tennessee

$4,576

United States

$4,957

Jackson

$4,195

Nashville

$4,767

Morristown

$4,004

The Cost of Home Care vs. Other Senior Care Options in Collierville, TN

Home care and home health care share the same monthly rate of $4,242, providing flexible, budget-friendly long-term care options for seniors. Older adults who want to live at home but obtain cheaper care may consider adult day health care, which is the cheapest option at $1,747. Assisted living costs are comparable to home care at $4,200 but include living expenses, such as housing, and nursing homes charge the highest rates at $7,087. 

Home Care

$4,242

Home Health Aide

$4,242

Adult Day Health Care

$1,747

Assisted Living Facility

$4,200

Nursing Home Facility (semiprivate room)

$7,087

Note: Data for Collierville was unavailable, so data for the nearest city, Memphis, was used instead. 

Financial Assistance for Home Care in Collierville, TN

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 Collierville, TN

Seniors in Collierville can contact several nonprofit agencies and programs for help with getting the services they need to remain in their homes. Through the following resources, residents can obtain home-delivered meals, transportation services and in-home care. 

ResourceContactService
Aging Commission of the Mid-South(901) 222-4111The Aging Commission of the Mid-South administers supportive services and recreational programs to older adults in the Collierville region, helping them remain in their own homes for as long as possible. It operates an Information & Assistance line older adults can call for one-on-one help with obtaining publicly funded home care services, home-delivered meals, transportation and caregiver support. It administers several Home & Community-Based Services Programs, including the OPTIONS for Community Living Program, which is open to those aged 60 and over who need help with activities of daily living. The agency also provides Personal Emergency Response devices, offers pest control services and provides volunteer-based transportation services.
Meals on Wheels(901) 529-4520Meals on Wheels distributes meals to  Collierville area residents aged 60 and over who are homebound or nutritionally at risk. The program also serves congregate meals at sites throughout the region, most of which are in nearby Memphis.
Tax Relief(901) 222-0200Seniors in the Collierville region may be eligible for property tax relief, which may help them afford expenses related to owning a home. The county offers the Tax Relief Credit, an income-based credit of up to $250.99 for seniors and up to $1,509.38 for disabled veterans or widows or widowers of veterans.
Community Services Agency(901) 222-4200The Community Services Agency is a nonprofit organization that administers supportive programs and services to qualified individuals in the Collierville region. Through its Utility Assistance and Rent & Mortgage Assistance programs, older adults can get help with covering living expenses, and through its Medical Prescription Program, seniors can get help with paying for medications their insurance doesn't cover.

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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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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