The 5 Best Home Care Agencies for Seniors in Collinsville, OH 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 Collinsville, OH, residents and their loved ones rate In Home Care agencies across the 6 options below.
Home Care Services in Collinsville, Ohio
6 Results
Filters
6 Results
What you can do with Caring
Paying for Home Care in Collinsville, OH
The Cost of Home Care in Collinsville, OH
The monthly cost of home care services in Collinsville, Ohio, is $5,148, which is $191 higher than the national and state averages and the city of Lima. Additionally, home care services in Collinsville cost about $500 less than in the state’s capital of Columbus. To the south, in Cincinnati, the cost of in-home care is comparable to that of Collinsville.
Collinsville
$5,148
Ohio
$4,957
United States
$4,957
Lima
$4,957
Columbus
$5,625
Cincinnati
$5,148
Dayton
$5,434
The Cost of Home Care vs. Other Senior Care Options in Collinsville, OH
Home care includes assistance with daily living tasks in the home. Seniors who need limited medical care may choose home health care at the same average monthly cost. Home care services in Collinsville cost an average of $482 more than assisted living. A semiprivate room in a nursing home costs $2,700 more, on average, than home care. Seniors can receive adult day care services, which cost $3,458 less than home care services but are offered only during weekday hours, outside the home.
Home Care
$5,148
Home Health Care
$5,148
Adult Day Health Care
$1,690
Assisted Living Facility
$4,666
Nursing Home Facility (semiprivate room)
$7,848
Note: Data for Collinsville was unavailable, so data for the nearest city, Cincinnati, was used instead.
Financial Assistance for Home Care in Collinsville, OH
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.
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 – often times 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.