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The 3 Best Home Care Agencies for Seniors in Saint Albans, VT for 2024

Saint Albans, a small city of only about 6,940 people, sits in northern Vermont, 30 minutes north of the state capital of Burlington. Approximately 13.7% of the city’s residents are senior citizens, slightly less than the national average of 16.5%. Saint Albans has very comfortable summers, with average highs in the mid-60s to high 70s, and area seniors also have convenient access to the University of Vermont Medical Center in Burlington, the state’s top-ranked hospital. According to data from the 2021 Genworth Cost of Care Survey, seniors in Saint Albans pay an average of $5,720 a month for home care. Home health care, which offers more robust medical support, may better suit some seniors’ needs.

Below we’ve compiled a comprehensive directory of every home care provider in the Saint Albans area – complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

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Home Care Agencies in Saint Albans, VT

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Paying for Home Care in Saint Albans, VT

The Cost of Home Care in Saint Albans, VT

Vermont’s average monthly cost for home care matches Saint Albans’s at $5,720, but the U.S. average monthly cost is roughly $760 cheaper at $4,957. Home care prices are higher than the national average in other New England cities as well. In nearby Manchester, New Hampshire, seniors pay $6,149 a month, and in Boston, Massachusetts, they spend $6,292. Prices are also high in Portland, Maine, where the average monthly cost for home care is $5,840. In Albany, New York, the average cost is $5,148.

Saint Albans

$5,720

Vermont

$5,720

The United States

$4,957

Manchester, NH

$6,149

Boston, MA

$6,292

Portland, ME

$5,840

Albany, NY

$5,184

The Cost of Home Care vs. Other Senior Care Options in Saint Albans, VT

Both home care and home health care average $5,720 a month; home health care involves a more robust level of medical care and is sometimes more expensive. A semiprivate room in a nursing home costs $11,619 a month, while seniors in assisted living pay an average of $6,371 a month. Adult day care is relatively cheap at $3,354 but offers comparatively limited hours.

Home Care

$5,720

Home Health Care

$5,720

Adult Day Health Care

$3,354

Assisted Living Facility

$6,371

Nursing Home Facility (semiprivate room)

$11,619

Note: Data for Saint Albans was unavailable, so data for the nearest city, Burlington, was used instead.

Financial Assistance for Home Care in Saint Albans, VT

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 Saint Albans, VT

Seniors in Saint Albans have a variety of local resources that provide financial support for in-home care. These supports range from subsidizing caregiver fees and internet connectivity costs to providing home-delivered meals and pro bono legal advice.

ResourceContactService
Champlain Valley Weatherization (CVW)(802) 862-2771CVW is the local weatherization agency for northwest Vermont and helps residents upgrade their homes through the federal Weatherization Assistance Program. Homeowners and renters may participate in the program. Eligible residents can get up to $10,000 in energy-efficiency upgrades, which may include HVAC replacement, weather sealing and lighting upgrades.
Essential Person Benefit(800) 479-6151This program helps subsidize the cost of in-home care for seniors and those with certain disabilities. To be eligible, your caretaker must live with you, and you must fall under certain income levels. It may disperse funds by direct deposit or by Electronic Benefits Transfer card.
Vermont Legal Aid Elder Law Project(800) 889-2047Saint Albans residents 60 years of age and up can get pro bono legal advice from this nonprofit law firm. Its areas of practice include government benefits, housing and health care concerns. VT Legal Aid can also help seniors write up key documents such as advance directions.
Affordable Connectivity Program(877) 384-2575This program helps low-income Vermont residents stay connected to information through a monthly discount on their internet bills. In most cases, the benefit is $30 per month. Some seniors may be eligible for further discounts on the purchases of tablets, computers and similar hardware.
Franklin County Meals on Wheels(802) 524-6616Homebound Saint Albans residents 60 years of age and up who cannot prepare their own food can receive daily safety checks and hot, home-delivered meals from this nonprofit. While the service runs Monday through Friday, it also delivers frozen meals for weekend use.

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.

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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

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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

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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