The 10 Best Home Care Agencies for Seniors in Spokane, WA for 2025

Costing $6,387 per month, Spokane’s average rate for home care is higher than the national norm of $4,957. However, it’s lower than the Washington average of $6,547. West in Wenatchee, the median monthly rate falls to $5,911. Farther west, Seattle’s seniors pay almost $400 more than their peers in Spokane. South of Spokane, in Walla Walla, in-home care costs around $6,149 each month. Approximately 34 miles east in Coeur d’Alene, Idaho, the median monthly fee decreases further to $5,815.    

At $6,387 per month, home care is slightly more affordable than home health care, which costs around $6,483 and includes medical care from registered nurses or therapists. Adult day health care is the most affordable care option; at around $1,625 per month, it’s more than $4,500 cheaper than home care. Assisted living is also more affordable, at $4,888. Nursing homes provide the highest levels of senior care and charge an average of $9,429 for a semi-private room, more than $3,000 pricier than in-home care.

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.