One-fifth of Vermont’s population is aged 65 and over, and the state’s Department of Disability, Aging and Independent Living has a range of programs and services available to help seniors comfortably age in place. Vermont has also been named the healthiest state in the nation, and seniors benefit from the state’s excellent medical care and its healthy lifestyle. In-home care providers are well-regulated to protect seniors’ welfare and rights, ensuring they receive appropriate care. The average monthly cost of in-home care is $5,196, which is significantly higher than the national average.

This guide provides information about the cost of in-home care in Vermont, financial assistance options and additional resources available to seniors for free or at low-cost.

The Cost of In-Home Care in Vermont

In-Home Care Costs in Nearby States

Seniors in Vermont can expect to pay an average of $5,196 per month for in-home care, according to Genworth Financial’s Cost of Care 2019 Survey. This is over $900 more than the U.S. national median of $4,290. Neighboring states also have higher prices than the national average. New Hampshire’s expense is the highest at $5,243. Massachusetts price is close to that of Vermont, with seniors paying an average of $5,186 monthly. Maine is slightly more affordable, with a cost of $5,117, while New York’s monthly median prices are $429 less at $4,767.

$5196

Vermont

$4290

United States Average

$5243

New Hampshire

$5186

Massachusetts

$5117

Maine

$4767

New York

Cost of Other Types of Care in Vermont

In-home care is one of the more affordable types of care in Vermont. Only adult day care has a lower cost of $3,033 each month. At $5,196 monthly, the median price of home health care is equal to in-home care. Seniors in assisted living facilities pay an average of $5,338 each month in Vermont, $142 more than those receiving in-home care. Nursing home care is the most expensive type of care and costs an average of $10,772 monthly, more than double the price of in-home care.

$5196

In-Home Care

$5196

Home Health Care

$3033

Adult Day Care

$5338

Assisted Living Facility

$10722

Nursing Home Care

The Cost of In-Home Care in Vermont’s Top Cities

The median cost of in-home care in Vermont’s major city of Burlington is $5,243, which is higher than the state average. Of cities close to Vermont, only Manchester, New Hampshire, has a more expensive average monthly fee of $5,291. Glen Falls and Albany in New York are slightly lower, with a cost of $5,005 and $4,957, respectively. In nearby Pittsfield, Massachusetts, seniors pay just $4,757 per month, $439 less than Vermont’s state average.

$5243

Burlington

$5291

Manchester, NH

$5005

Glens Falls, NY

$4957

Albany, NY

$4757

Pittsfield, MA

Financial Assistance for In-Home Care in Vermont

Global Commitment to Health Waiver

The Global Commitment to Health (GC) Waiver offers a wide range of services to a variety of beneficiaries. For seniors, the program helps individuals maintain their independence by providing services in their home or the home of a family member. The types of services available, including personal care, case management and companion services, depend on the participant’s needs and living situation.

The GC Waiver has a self-direct option that empowers seniors to choose their own caregivers. This permits people to pay family members, including adult children, for their care. They can also access home modifications and personal emergency response services that help them age in place. This waiver does not have a waiting list.

Who is Eligible?
Applicants for the GC Waiver must meet financial eligibility criteria, which includes income and asset limits. These limits depend on several factors, including age, marital status and location within the state. There are pathways for people living at home with large care costs to access the program, even if their income is high. There are two levels of clinical eligibility for the program: people who require a nursing home level of care and those with moderate needs. The Moderate Needs Program enables people who aren’t at risk for nursing home placement to receive limited support.

How to Apply
To apply for the waiver, seniors should call 855-899-9600 or via their website at Vermont Health Connect. The state also has an Assister Program, which provides in-person help to seniors to find the benefits that suit their budgets and needs.

Attendant Services Program

The Attendant Services Program (ASP) is available to Vermonters who need assistance with activities of daily living in order to remain in their homes. It’s only available to individuals living in their own home or the home of a loved one. This is a consumer-directed program, so the participant is responsible for hiring, training and managing their own care. Friends, neighbors and certain family members, including adult children, can be hired as caregivers through ASP.

The services available depend on each individual’s needs and can include activities of daily living, such as grooming, bathing, dressing and eating. Instrumental activities of daily living, including housekeeping, shopping and laundry, are also covered by this program.

Who is Eligible?
Applicants must be at least 18 years of age and have a disability. Functionally, they must require help with at least two activities of daily living. In addition, there are financial eligibility requirements. Applicants must be financially eligible for Vermont Medicaid, known as Green Mountain Care, which has both income and asset limits. There is also a medically needy pathway for people who don’t meet the financial requirements.

How to Apply
Interested seniors can apply through the Department of Disabilities, Aging & Independent Living website or call 802-241-0298.

More Ways to Pay for In-Home Care

While the above programs help many people finance in-home care, they won’t cover all costs for everyone. Other ways to pay for in-home care include annuities, reverse mortgages, private insurance, out-of-pocket arrangements with siblings and more. Read Caring.com’s Guide to In-Home Care Costs to learn more about these alternative payment options.

Free and Low-Cost In-Home Care Resources in Vermont

There’s a wide range of services available to seniors in Vermont designed to support aging in place and in-home care. These include home modification, medical technology and prescription assistance.

ContactArea ServedServices Provided
High Technology Home Care802-241-0294Entire StateHigh Technology Home Care is a Medicaid program that provides medically necessary technology and supplies to help seniors remain at home. Some technologies covered by the program include CPAPs, ventilators and feeding tubes. Skilled nursing care is also available.
Vermont Center for Independent Living800-639-1522Entire StateThe VCIL has a range of services available to help people live independently in their homes, including advocacy. Two of their programs provide assistance for home modifications, including ramps and accessible bathrooms.
Healthy Vermonters and VPharm1-800-250-8427Entire StateHealthy Vermonters and VPharm are Green Mountain Care’s prescription assistance programs. Healthy Vermonters provides discounted prescription medications with no monthly premium. VPharm is available for those enrolled in Medicare Part D. It charges monthly premiums, but provides greater discounts on medications than Healthy Vermonters.
HomeShare Vermont1-800-642-5119Addison, Chittenden, Grand Isle, Franklin, Lamoille, Orange and Washington CountiesThe HomeShare program is supported by the Vermont Department of Disabilities, Aging and Independent Living. It matches seniors who have extra living space with Vermonters who need somewhere to live. The people moving in provide various support, such as personal care, housekeeping and companionship in exchange for rent or reduced rent.
Vermont Area Agencies on Aging1-800-642-5119Entire StateThere are five Area Agencies on Aging in Vermont, which have a range of services to help seniors in the local community. The state’s No Wrong Door system aims to ensure people can access long-term support without having to contact multiple agencies. Services available through AAA include home-delivered meals, a senior helpline, health insurance counseling and case management. Specific programs may differ between locations. Local AAAs administer Dementia Respite Grants, the Veterans Independence Program and the National Family Caregiver Program.
Vermont Senior Centers1-800-642-5119Entire StateThere are senior centers located across the entire state of Vermont. These facilities support healthy aging by providing nutritious meals, social programs and wellness activities. The services are available at little or no cost to seniors and help prevent isolation and delay institutionalization.

In-Home Care Laws and Regulations in Vermont

The Division of Licensing and Protection of the Department of Disabilities, Aging and Independent Living program regulates home care in Vermont. Both in-home and home health care are covered by the same regulations and provided by home health agencies. The table below offers insight into Vermont’s state rules and regulations.

Scope of CareHome health agencies may provide assistance with activities of daily living, homemaking services and companion care. They also provide medically necessary, intermittent skilled health services and hospice care.
Care Plan RequirementsHome health agencies must develop a plan of care that is person-centered and understandable to a layperson. Patients have a right to be involved in the care planning process. Agencies must also respond in a timely manner to any request regarding a care plan, including changes in service.
Medication Management RequirementsThere are no specific regulations covering medication management services for home health agencies in Vermont.
Staff Screening RequirementsHome health agencies must conduct background checks on all employees and contractors and may not hire anyone who has a substantiated record of abuse, neglect or exploitation of a child or vulnerable adult.
Staff Training RequirementsStaff must be qualified for the role they are performing. Medically necessary skilled services must be offered directly by, or under the supervision of, skilled nursing or rehabilitation personnel. Unlicensed services, such as personal care and homemaking, may be provided by unlicensed caregivers. The home health agency is responsible for ensuring these caregivers are fully trained and appropriately supervised.
Medicaid CoverageThe Global Commitment to Health and Attendant Services Program waivers will cover some or all of the cost of in-home care for those who qualify.
Reporting AbuseAbuse should be reported to the office of the long-term care ombudsman, which is administered by Vermont Legal Aid. Their contact number is 1-800-889-2047.

Frequently Asked Questions

How much does in-home care cost in Vermont?

In-home care in Vermont costs an average of $5,196 each month, according to Genworth Financial’s 2019 Cost of Care Survey. These services are also called homemaker services. Seniors looking for skilled nursing services may wish to explore home health care, which also averages $5,196.

Does Vermont Medicaid pay for in-home care?

Vermont’s Medicaid program is called Green Mountain Care and it has two programs available to seniors that can help pay for in-home care. These programs, the Global Commitment to Health Waiver and the Attendant Services Program, offer a range of services based on the needs of the participant. Their self-directed options also have opportunities for seniors to pay friends or family members to act as caregivers.

Are there programs to cover home modifications in Vermont?

The Vermont Center for Independent Living has two programs that can help pay for home modifications. The Home Access Program provides home entry and bathroom modifications and is available to low-income Vermonters who have a disability. The Sue Williams Freedom Fund helps pay for services and equipment to accommodate seniors and people with disabilities to stay in their own homes. Both programs have a waiting list, and staff will work with applicants to find alternative funding to help them get help as quickly as possible. The Global Commitment to Health Waiver may also fund some home modifications.

What Support Can Help Me Age at Home?

Each senior has unique needs, so the type of support they require will differ. Many look for help with homemaking services, such as laundry, cleaning, shopping and gardening. There are also home-delivered meal services for people who have difficulty cooking. For seniors having trouble with activities of daily living, personal care can provide assistance with bathing, grooming, eating and other activities. For seniors who require specific health care, skilled nursing care is available in the home.

What is the difference between in-home care and home health care?

In-home care provides non-clinical help and doesn’t offer any professional medical assistance. It can include personal care services, such as grooming and bathroom needs. It also covers a range of other services that help people stay in the home, such as meal preparation, transportation, housekeeping and companionship. Home health care is medical supervision provided by licensed health professionals. It can include physical therapy, health monitoring, wound care and skilled nursing services.