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The 5 Best Home Care Agencies for Seniors in Cokato, MN for 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 Cokato, MN, residents and their loved ones rate In Home Care agencies across the 5 options below.
Home Care Services in Cokato, Minnesota
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Paying for Home Care in Cokato, MN
The Cost of Home Care in Cokato, MN
The results of the 2021 Genworth Cost of Care Survey reveal the average senior in Cokato pays approximately $1,081 per month more than the typical American, but $635 less than the majority of their peers in Minnesota. Although the city is one of the state’s more affordable for home care, its median fee isn’t as low as Duluth ($5,815) or Mankato ($5,720). However, Cokato is significantly less expensive than Minneapolis ($7,055) and Rochester ($7,627).
Cokato
$6,038
Minnesota
$6,673
The United States
$4,957
Duluth
$5,815
Mankato
$5,720
Rochester
$7,627
The Cost of Home Care vs. Other Senior Care Options in Cokato, MN
Cokato’s median fee for home care is $6,038, while home health care agencies typically charge an additional $193 for their home-appropriate medical services. At $2,600 per month, adult day health care is the least costly option for seniors healthy enough to attend, while, at $4,100, assisted living is the most affordable choice for those looking for care and accommodations. By far, the costliest type of senior care is within nursing homes, where a typical semiprivate room costs around $12,988 per month.
Home Care
$6,038
Home Health Care
$6,231
Adult Day Health Care
$2,600
Assisted Living Facility
$4,100
Nursing Home Facility (semiprivate room)
$12,988
Note: Data for Cokato was unavailable, so data for the nearest city, St. Cloud, was used instead.
Financial Assistance for Home Care in Cokato, MN
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 Cokato, MN
Cokato’s seniors don’t have to deal with issues on their own, as there are many nonprofits and government agencies in the region committed to providing free and low-cost resources for them. Those listed here can make homes safer and cheaper to heat and cool, provide professional legal advice and support and deliver freshly prepared and nutritionally balanced meals.
| Resource | Contact | Service |
|---|---|---|
| Weatherization Program | (320) 963-6500 | Wright County residents on low incomes can apply for assistance from the Weatherization Program to make their homes safer and more energy-efficient. Homeowners and renters can apply for help, with work carried out by licensed contractors paid directly through the program. An energy audit determines the type of work required, which may include insulating the attic and walls, repairing the furnace, sealing air leaks and installing energy-efficient lighting. |
| Energy Assistance Program | (320) 963-6500 | Wright County's Energy Assistance Program helps homeowners and renters cope with energy costs that exceed their ability to pay. The program can contribute toward electric/gas/water bills between October and June, paying the vendor directly within four months of approving the application. It can't assist with delivered fuels, such as wood or propane, but it can provide emergency assistance for other fuel types if the resident faces disconnection by their supplier. |
| LSS Meals on Wheels | (800) 488-4146 | LSS Meals on Wheels is a statewide program provided by the Lutheran Social Service of Minnesota. Its volunteer drivers deliver hot meals to adults aged 60 and older in Cokato and other cities in Wright County. Although no senior is denied a meal due to their inability to pay, there is a suggested donation of between $5 and $8.40 per meal to cover costs. Drivers make wellness checks on seniors during the weekday deliveries and can provide frozen meals to cover non-delivery days, such as weekends and public holidays. |
| Central Minnesota Legal Services | (612) 332-8151 | Central Minnesota Legal Services is a nonprofit law firm that's been giving professional advice and representation to Minnesotans on low incomes for more than four decades. Its attorneys and paralegals can assist seniors in civil law matters, including health care, wills, consumer debt, eviction and the denial, loss or reduction of public benefits. The firm doesn't charge clients a fee for its services, but, if it can't take a case, it may refer them to a firm that may charge for its services. |
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.
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.
