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The 10 Best Home Care Agencies for Seniors in Knoxville, TN for 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 Knoxville, TN, residents and their loved ones rate In Home Care agencies 4.3 out of 5 stars across the 37 options below.

Home Care Services in Knoxville, Tennessee

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Paying for Home Care in Knoxville, TN

The Cost of Home Care in Knoxville, TN

While the 2024 Genworth Cost of Care Survey doesn’t list Knoxville's home care rates, seniors calculate the cost of services by reducing home health care rates by 10%. Based on this, the projected monthly home care rate for this city comes to about $4,891, over $1,000 below Tennessee’s median and about $829 less than the national norm. Local rates also compare favorably to fees in Johnson City, where agencies charge around $6,292 for care.

Knoxville

$4,891

Tennessee

$5,911

United States

$5,720

Morristown

$4,118

Kingsport

$4,290

Johnson City

$6,292

Chattanooga

$4,891

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

Knoxville seniors pay approximately $4,891 for non medical in-home care. By comparison, those who attend adult day health care facilities pay lower fees of around $1,679. However, seniors who need skilled nursing services pay more for specialized care, with home health care agencies charging higher baseline rates of around $5,434 and nursing home care coming in at approximately $8,410.

Home Care

$4,891

Home Health Care

$5,434

Adult Day Health Care

$1,679

Assisted Living Facility

$4,825

Nursing Home Care (semi-private room)

$8,410

Financial Assistance for Home Care in Knoxville, 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 Knoxville, TN

Aging adults in Knoxville who choose to age in place at home often need additional support to retain their independence. Several government entities and nonprofit organizations provide various programs to provide the support seniors need to remain in their homes longer at little or no cost.

ResourceContactService
Community Action Committee(865) 244-3080The CAC of Knoxville and Knox County improves the quality of life of low-income residents. Its Emergency Home Repair Program provides repairs that help seniors remain independent and in their homes. CAC’s Weatherization Assistance Program reduces energy consumption and saves on energy bills. Both programs focus on the elderly, disabled and homes with children.
Property Tax Relief Program(615) 401-7774The Tennessee Comptroller of the Treasury operates the Property Tax Relief Program for homeowners who are elderly, disabled, disabled veterans or surviving spouses of disabled veterans. Elderly applicants must be age 65 before the last day of the year requesting relief, own their home and meet income requirements.
Knoxville-Knox County Mobile Meals(865) 524-2786Knoxville-Knox County Mobile Meals delivers midday meals five days a week, plus Thanksgiving and Christmas, to residents aged 60 or older who can’t leave their homes without assistance and can’t cook for themselves. Participants are asked to cover a portion of their meal costs based on income.
Low Income Housing Energy Assistance Program(865) 637-6700LIHEAP is available through the Knoxville-Knox County Community Action. This program is designed to help low-income seniors and other residents countywide cover the costs of their heating and cooling bills. LIHEAP assistance may be applied to current or past utility bills.
Volunteer Assisted Transportation(865) 673-5001VAT offers low-cost rides to seniors and disabled individuals who might not otherwise be able to leave their homes. Volunteers use hybrid sedans and wheelchair-accessible minivans to take eligible riders to doctor appointments, pharmacies, grocery stores and social trips. Rides may be provided anywhere in Knox County and outside the county on a case-by-case basis.

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 Care Providers Nearby

Home Care

Mike A_8

I am a current client of this provider

Review of SYNERGY HomeCare of Knoxville

It helps us tremendously because I'm handicapped and can't go upstairs. I would recommend them because the young lady that comes to our home is just great. She is so good about doing all the chores.

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Home Care

Lisa R_27

I am a current client of this provider

Review of Visiting Angels - Knoxville, TN

I don't have to worry about my sister anymore about her being by herself. It takes a lot of stress off of me for sure. I like the caregiver I have. Brenda is wonderful. I am very happy with her...

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Home Care

Janet A_7

I am a current client of this provider

Review of SYNERGY HomeCare of Knoxville

The caregivers are here so that I can sleep. The majority of the providers have been good. I can get the same two people.

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In Home Care near Knoxville, TN

AlpinePowellRockfordSeymourHeiskellAlcoa

Other Options in Knoxville, TN

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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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