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The 10 Best Home Care Agencies for Seniors in Memphis, 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 Memphis, TN, residents and their loved ones rate In Home Care agencies 4.6 out of 5 stars across the 49 options below.

Home Care Services in Memphis, Tennessee

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Paying for Home Care in Memphis, TN

The Cost of Home Care in Memphis, TN

The monthly cost for home care in Memphis is $715 less per year than the national average and $334 a month less than the state average. The cost in Memphis is in line with other nearby cities in western Tennessee, such as Jackson. The cost is higher than Morristown, but cheaper than other cities in East Tennessee, such as Nashville and Chattanooga.

Memphis

$4,242

Tennessee

$4,576

The United States

$4,957

Jackson

$4,195

Nashville

$4,767

Morristown

$4,004

Chattanooga

$4,767

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

Home care costs in Memphis are $42 a month more on average than an assisted living facility and $2,845 less than a semiprivate room in a nursing home facility. Another option for seniors is facilities that offer adult day programs. Adult day services, which are offered only during weekday business hours and require travel to and from an adult day care facility, cost an average of $2,495 less than home care.

Home Care

$4,242

Home Health Care

$4,242

Adult Day Health Care

$1,747

Assisted Living Facility

$4,200

Nursing Home Facility (semiprivate room)

$7,087

Financial Assistance for Home Care in Memphis, 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 Memphis, TN

Memphis seniors who want to continue living in their own home can find support through a number of free and low-cost programs and services. 

ResourceContactService
Metropolitan Inner-Faith Association — Meals on Wheels(901) 529-4520The MIFA operates Shelby County's Meals on Wheels program, which provides frail and housebound seniors aged 60 and older with low-cost, home-delivered prepared meals. Screened volunteers deliver the meals each weekday around noon, and subsidized meals are available for low-income seniors.
Habitat for Humanity of Greater Memphis — Aging in Place Program(901) 322-3500Low-income homeowners aged 60 and older who need accessibility upgrades, such as grab bars, wheelchair ramps and handheld showers, may be eligible for free help through Habitat for Humanity's Aging in Place Program. Enrollment in this popular program is limited, so interested homeowners should confirm current application deadlines.
City of Memphis Tax Assistance Program (901) 522-1111Elderly Memphis homeowners may be eligible for a tax freeze, or tax relief, through the city's tax assistance program. Eligibility for tax assistance varies based on income and age and can change on an annual basis.
City of Memphis Weatherization Assistance Program (901) 636-7366Low-income seniors who want to reduce their home energy bills may qualify for free weatherization services through the Weatherization Assistance Program. This federally funded program is administered by the city's Division of Housing and Community Development, and services may include repairs to heating and cooling systems, installation of insulation and weatherstripping and replacing damaged windows.
Memphis Jewish Community Center(901) 761-0810The Memphis Jewish Community Center offers a number of free services for seniors, including a Kosher Food Pantry, a volunteer handyman program and an emergency financial aid program that helps seniors cover unexpected medical and utility costs.

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

Frequently Asked Questions

Reviews of Communities Nearby

Home Care

Packson

I am a current client of this provider

Review of Right at Home Memphis East

My sisters and I have been very happy with Right at Home. The office has been accommodating whenever I call. Our caregiver has been consistent, punctual, and pleasant. Mom and dad seem to...

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Home Care

Charlie Smithers

I am a past client of this provider

Review of Eagle Home Care

My mothers caregiver was not helpful, she would sit around and play on her phone. We had even caught her sleeping when we showed up on two different occasions. When we tried to communicate our...

Read more

Home Care

David Zane

I am a past client of this provider

Review of Right at Home Memphis East

My experience with Right at Home was utterly disappointing. The Caregivers they sent were unprofessional and seemed ill-prepared to handle basic tasks. We had repeated instances of caregivers...

Read more

In Home Care near Memphis, TN

West MemphisMarionBartlettSouthavenHorn LakeEllendale

Other Options in Memphis, 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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