The 10 Best Home Care Agencies for Seniors in Oshkosh, WI for 2025

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.

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.

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.