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The 10 Best Home Care Agencies for Seniors in Oshkosh, WI 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 Oshkosh, WI, residents and their loved ones rate In Home Care agencies 5 out of 5 stars across the 12 options below.

Home Care Agencies in Oshkosh, WI

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Paying for Home Care in Oshkosh, WI

The Cost of Home Care in Oshkosh, WI

The 2021 Genworth Cost of Care Survey shows that Oshkosh’s home care prices are less than the state average by almost $200 but more than the national average by almost $400. Home care costs in other Wisconsin cities come in on par or higher than Oshkosh. South of Oshkosh, Racine and Janesville have prices that exceed Oshkosh’s by $381 and $762. Fond du Lac, which is only about 20 miles from Oshkosh, also shows higher costs by $381. Rates in Baraboo to the west in the Madison area are equivalent to those in Oshkosh.

Oshkosh

$5,339

Wisconsin

$5,529

The United States

$4,957

Racine

$5,720

Janesville

$6,101

Baraboo

$5,339

Fond du Lac

$5,720

The Cost of Home Care vs. Other Senior Care Options in Oshkosh, WI

Senior citizens in Oshkosh can expect to pay about the same rates for home care and home health care. These options are different; home health care provides medical services, such as blood pressure checks, that home care does not. Adult day programming may be available in the Oshkosh area, but prices are not listed in the survey. Assisted living costs run a bit lower than those of home care for a monthly savings of $182, but home care may still be preferable for seniors who do not want to move. Skilled nursing care ranks the highest by $3,816.

Home Care

$5,339

Home Health Care

$5,339

Assisted Living

$5,157

Nursing Home Care (semiprivate room)

$9,155

Financial Assistance for Home Care in Oshkosh, WI

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.

Oshkosh Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Oshkosh:

ResourceContactAddressService
Oshkosh Seniors Center(920) 232-5300200 N Campbell Road, Oshkosh, WI 54902The Oshkosh Seniors Center offers two locations in the city. Activities and programming are open to those 50 and up and include free blood pressure clinics and flu shots, fitness and balance classes, education opportunities and social events. Seniors can make use of a well-equipped art studio and woodshop. City transit provides seniors with free transportation for trips to and from the centers. 
Aging and Disability Resource Center of Winnebago County(877) 886-2372220 Washington Ave, PO Box 2187, Oshkosh, WI 54903-2187The ADRC provides Oshkosh residents with useful information regarding programs and services for older adults and those with disabilities. The organization’s dementia care specialists are trained in assisting and supporting those with cognitive conditions and their family members. Residents are encouraged to attend the ADRC committee’s monthly public meetings to provide input on and help shape its services.
Wisconsin Senior Employment Program920-720-5600Fox Valley Workforce Development Board, 1401 McMahon Dr., Suite 100, Neenah, WI 54956The WISE program is designed to help older low-income, unemployed adults get the skills and experience they need to receive an income in the modern workforce. Open to Wisconsin residents 55 and up, the program connects its participants with community service positions in government or nonprofit agencies. Participants may work in schools, community centers, libraries and similar locations. 
Wisconsin Home Energy Assistance Program(920) 231-0600Energy Services Inc – WHEAP Sub, 303 Pearl Ave Ste D, Oshkosh, WI 54901The WHEAP helps low-income Wisconsin residents pay for their home energy costs. Seniors who receive Supplemental Security Income are automatically eligible for this program. Federally funded and locally administered, the program can provide one benefit payment per calendar year during the colder months; in crisis situations, emergency funds may be made available.
Wisconsin Weatherization Assistance Program(866) 432-8947Energy Services Inc, 303 Pearl Ave Ste D, Oshkosh, WI 54901This program assists Wisconsin residents with home improvements intended to increase energy efficiency and thereby lower heating and cooling costs. Relevant improvements can include caulking air leaks, replacing old furnaces and installing attic insulation. As under the state’s WHEAP, seniors receiving SSI or TANF funds are automatically eligible to also get this assistance. 

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 in-home care
Checklist for determining the need for in-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
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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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