Costs and Financial Assistance for Live-In Home Care

When selecting live-in home care (visit https://alwaysbestcare.com/live-in-care/), it's not just the cost that matters, but also ensuring your loved one is safe, comfortable, and cared for in a familiar environment.



How much does live-in care actually cost? Can you choose your caregiver? Does Medicare help at all? If these questions are keeping you up at night, you're not alone.



This guide breaks it all down in simple terms so you can make informed decisions easily.

How Much Does Live-In Home Care Cost?

Live-in home care costs vary significantly depending on your location, the level of care needed, and whether you go through an agency or hire privately.



Still, we can provide you with a general price overview of what you can expect:



National average cost: $4,500 - $10,000 per month

Hourly rates for in-home caregivers: $20 - $40 per hour

24/7 care with a caregiver in the home: $7,500 - $15,000 per month

Privately hired caregivers: Usually cost less than agency caregivers but may not come with benefits like background checks, insurance, or emergency replacements

Types of In-Home Care Services

When considering in-home care for a loved one, two common types of services that come up are Home Maker Services and Home Health Aide services.

Home Maker Services

Home Maker Services assist individuals with non-medical, day-to-day household tasks and personal activities, including:



Doing various tasks around the house, e.g., cleaning, vacuuming, dusting, laundry, etc.

Cooking meals and assisting with feeding.

Shopping for groceries, picking up prescriptions, or helping with other outdoor tasks.

Providing emotional support through conversation and companionship.



Home Health Aide

A Home Health Aide deals with in-house personal care and medical support.



The scope of these services includes:



Helping with daily activities like bathing, dressing, grooming, and using the bathroom.

Ensuring they take their medications on time and as prescribed.

Checking blood pressure, temperature, and pulse.

Helping them move around the house safely.

Hourly Median Cost of In-Home Care Across U.S. States

Using the Genworth calculator, we compiled a table showcasing the median cost of in-home care across the U.S. in 2025.





State

Home Maker Services

Home Health Aide

Alabama

$22.34

$24.40

Alaska

N/A

$35.01

Arizona

$35.01

$38.19

Arkansas

$20.16

$31.83

California

$38.19

$39.25

Colorado

$37.13

$40.31

Connecticut

$32.89

$37.13

Delaware

$32.89

$37.13

District of Columbia

$32.89

$35.01

Florida

$31.83

$31.83

Georgia

$26.52

$28.64

Hawaii

$40.31

N/A

Idaho

$36.07

$33.95

Illinois

$31.83

$38.19

Indiana

$32.89

$37.13

Iowa

$40.31

$40.31

Kansas

$33.95

$31.83

Kentucky

$39.25

$26.52

Louisiana

$26.52

$26.52

Maine

$40.31

$44.56

Maryland

$31.83

$35.01

Massachusetts

$37.13

$40.31

Michigan

$32.89

$35.01

Minnesota

$31.83

$39.25

Mississippi

$15.91

$23.34

Missouri

$33.95

$42.44

Montana

$53.04

$37.13

Nebraska

$36.07

$37.13

Nevada

$35.01

$31.83

New Hampshire

$35.01

$42.44

New Jersey

$37.13

$38.19

New Mexico

$47.74

$31.83

New York

$28.64

$37.13

North Carolina

$29.71

$29.71

North Dakota

$25.46

$33.95

Ohio

$29.71

$33.95

Oklahoma

$21.22

$29.71

Oregon

$39.25

$28.64

Pennsylvania

$22.28

$32.89

Rhode Island

$38.19

$42.44

South Carolina

$30.77

$33.95

South Dakota

N/A

$44.56

Tennessee

$32.89

$33.95

Texas

$24.40

$29.71

Utah

$36.07

$37.13

Vermont

N/A

$42.44

Virginia

$36.07

$31.83

Washington

$46.68

$42.44

West Virginia

$26.52

$26.52

Wisconsin

$26.52

$35.01

Wyoming

$37.13

$40.31



Ways to Pay for Senior Home Care

When considering how to afford to pay for home care, you would be relieved to know you have multiple options available.



These are the most common methods you can use to finance senior home care:

1. Paying Out of Pocket (Private Pay)

Many families pay for home care themselves, using savings, pensions, or Social Security income.



If your loved one has a retirement fund or investments, these can also help cover costs.

2. Long-Term Care Insurance

If your loved one has a long-term care insurance policy, it may cover some or all of the costs for in-home care.



Every policy is different, so make sure you review all the details to see what's included.

3. Medicaid Assistance

For low-income seniors, Medicaid can help cover home care costs. Each state has different Medicaid waiver programs, which may pay for personal care services at home.



Check your state's Medicaid guidelines to see if your loved one qualifies.

4. Medicare Advantage Plans

Original Medicare usually doesn't cover in-home care, but Medicare Advantage does in some cases.



Depending on the plan and its specifics, you could find coverage for things like assistance with daily activities, meal preparation, and even managing medications.

5. Veterans Benefits

If you are looking for an in-home care for a veteran, you should check if they are eligible for VA benefits that cover home care costs.



Look for programs such as the Aid & Attendance benefit that provide financial assistance for veterans who need help with daily living.

6. Grants and Special Assistance Programs

Some organizations offer donations for families caring for seniors with specific conditions like dementia.



For example, the HFC Dementia Home Care Grant can help you cover the cost of in-home care for an individual who is suffering from this illness.

Common Questions About Hiring a Caregiver

When thinking about hiring a caregiver for your loved one, these are the questions you would likely to know the answers to:

Can I Choose a Caregiver?

Yes, in most cases, you have control over who provides care for your loved one. If you hire privately, you choose the caregiver directly.



If you go through an agency, you can usually request a caregiver that matches your loved one's specific needs.

Do Caregivers Undergo Background Checks?

If you hire through an agency, caregivers typically undergo background checks, including criminal history, employment verification, and sometimes drug testing.



If you hire privately, it's up to you to conduct these checks. Many families use background check services to ensure safety.

How Soon Can Care Begin?

If you go for agencies as your in-home care service provider, you can expect the starting date to begin within a few days to a week.



If you are hiring privately, the timeframe can take longer since you'll need to find, interview, and verify a caregiver yourself.



If you involve the financial assistance programs, approval can take several weeks or longer.

Always Best Care Senior Services
1406 Blue Oaks Blvd. #100, Roseville, CA, United States, California
+1 916-520-1256

The Care You Deserve

This release was published on openPR.