The Best Home Care Agencies for Seniors in Pasco, WA for 2025

Based on data in the Genworth 2021 Cost of Care Survey, seniors in Pasco pay approximately $6,197 per month for full-time home care services. While this exceeds the U.S. norm of $4,957, it offers a monthly savings of $350 over the statewide average. In nearby Longview, rates are more competitive at $6,054, and seniors in Yakima pay about $240 less per month for home care than Pasco residents. Even so, care costs in Pasco are about $200 lower than rates in Spokane, and in Olympia, care costs are even higher at $6,673 per month.

Home care agencies in Pasco charge $6,197 per month for nonmedical home care services. While home health care is available for the same average monthly rate, agencies may charge more for this specialized level of care. Opting for assisted living offers a potential monthly savings of about $970, and those who want to remain in their homes but obtain more budget-friendly care may be good candidates for adult day health care, which costs $1,749. Nursing home care is a costlier alternative at $9,581.

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.