It is true that most, if not all, seniors would rather live at home. That is mostly because this sort of arrangement gives them the kind of freedom and independence to which they have grown accustomed.

It also has the added advantage of keeping them within familiar surroundings, which is excellent for seniors who are slowly losing the gift of sight and might be suffering from degenerative brain diseases such as Alzheimer’s.

But despite all these advantages, aging adults cannot live alone in their own homes as they need long-term care. At least, not without assisted help. That is why most families choose to hire in-home care for their beloved seniors.

The advantages of non-medical home care are numerous and include companionship, personalized care, and help with day-to-day home chores.

The advantages of live-in care or non-medical home care are numerous:

As you can imagine, there is discussion about just how affordable the cost of care really is and how many people can afford it. Today, we will try to break down the cost of in-home senior care and show that it is not as expensive as most people tend to think it is at all and is much cheaper than respite care in a nursing home or receiving residential care.

Middle aged man in wheelchair with daughter outside.

The Cost of In-Home Care

The cost of health care and in-home senior care will very much depend on the number of hours the designated care worker spends with the senior. It also depended on the kind of services need as well as the supplies necessary to ensure that the senior lives a dignified life as they walk into their twilight years.

As you would expect, every state has its own median cost of care and charges associated with in-home health care. The national average, however, according to a survey conducted by Genworth Financial comes to around $4,000 per month. It also shows that the median monthly rate across the country stands at around $20 an hour, based on the survey, which was conducted in 2015. There are some states that are more expensive than average while there are those states that charge well below the median hourly rate.

The Most Expensive States:

The Survey Showed That The Most Expensive States As Far As Senior In-Home Care Is Concerned Include (Average Costs):

While The States With The Least Expensive Senior In-Home Care Services Include (Average Costs):

As mentioned, the amount you might pay for your in-home care will greatly depend on the number of hours spent by the care worker at your home as well as the supplies necessary to make you comfortable.

Middle aged woman with grand daughter helping with laundry

Calculating In-Home Care Cost

Regardless of the kind of home care service you choose, you will receive an estimate based on the results of a comprehensive assessment of your individual needs by a licensed care worker or home care agency. Depending on the home care agency you choose, you may or may not be charged a non-refundable assessment fee.

Here Are Several Ways Through Which Your In-Home Care Cost May Be Broken Down:

As mentioned, these estimates vary depending on your location and the cost of living within that state or county. For the most part, you can easily compare and contrast different home care agencies to see which one offer the best value for money.

Two middle aged women laughing together.

What to Look for in an In-Home Care Service

Because Americans spend an average of $4,000 a month on home care services, it is imperative to find the right kind of service. One that speaks to your specific needs and has your best interests at heart.

Here are some of the things you should consider when you choose an in-home care service:

Of course, as mentioned earlier, you might need to do a little digging before you settle on one home care service provider. The problem is that for some seniors, the choices are often limited by the availability of agencies in their location. So take your time and find the best one—at least one that comes to meeting as many of your particular needs if not all of them.

How is In-Home Care Paid for?

There are several methods through which you can choose to pay for your in-home care service. The most common include:

On a typical basis, you should be looking at around $4,000 a month if you want full-time care and much less than that for structured care.

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