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In-Home Care
Many older adults would prefer to age at home as long as possible. With the right care support and services, you can preserve your loved one's privacy and independence at home while keeping them safe.
What is in-home care?
The meaning of in-home care varies widely—from help with daily routines, to giving the primary caregiver a much-needed break, to providing medical or end-of-life care. Figuring out the in-home care you need varies widely depending on your situation. There is no one-size-fits-all answer!
Non-medical care
Non-medical in-home care is provided by trained caregivers that can assist older adults with a diverse range of support in everyday life. A few examples include light housekeeping, cooking, laundry, transportation, medication reminders, personal care, and of course, companionship.
Paid caregivers are also trained to help with activities of daily living (ADLs), such as bathing, dressing, eating, and toileting.
Medical care
Also known as home health care, medical care is provided by skilled professionals to treat an illness or injury. These services, often prescribed by a doctor, involve medical tasks such as administering medications, wound care, or monitoring vital signs, all aimed at supporting recovery and maintaining health at home.
Both care types can be provided on a full-time and part-time basis, but caregivers usually have a 4-hour shift minimum. Care can also be hired for overnight care, weekends, or special hours.
Building relationships
In-home caregivers who provide long-term support to an older adult often build a deep bond with that person, becoming a trusted friend. This connection can make a huge difference for an older adult's quality of life and overall health. It's something to encourage if possible!
In-home caregivers who provide long-term support to an older adult often build a deep bond with that person, becoming a trusted friend. This connection can make a huge difference for an older adult's quality of life and overall health. It's something to encourage if possible!
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Need a break as a caregiver?
We imagine you do. Respite care is a form of in-home care provided on a part-time or occasional basis with the purpose of relieving a family caregiver from their duties as needed. Take a look at your state's Medicaid guidelines to see if you are eligible to have this expense reimbursed.
We imagine you do. Respite care is a form of in-home care provided on a part-time or occasional basis with the purpose of relieving a family caregiver from their duties as needed. Take a look at your state's Medicaid guidelines to see if you are eligible to have this expense reimbursed.
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When is in-home care a good option?
How do you know if this is the right path for your loved one? Here are some considerations to help you determine if in-home care is a fit for your situation.
In-home care is best for...
- Those who need some help for certain weekly or daily tasks
- Easing an older adult into receiving care by starting in the home
- Providing very personalized care based on personality or conditions
- Maintaining a sense of independence and keeping the older adult in the comfort of their home for longer, which can be positive for their mental health
- Cost effectiveness, especially when caring for more than one person in the same location or when family caregivers can augment care provided by paid caregivers
But remember...
- Ongoing or 24/7 monitoring at home can get very costly
- Home safety and accessibility updates may be necessary if you are planning to have your loved one age at home long-term
- Caregiver compatibility is crucial, so take the time to find a good fit
- If your loved one lives alone, they will have less social interaction than they would in an adult day program or facility, which could be a mental health risk
- Provider availability may be limited in specific locations, especially in rural areas
- You'll need to consider a plan for back-up care for when the caregiver is sick or has vacation (agencies may be able to handle this for you)
Benefits of aging at home
Aging at home can help older adults maintain the relationships they have in their communities and preserve their independence for a longer period of time. It's also often where they feel most comfortable.
Aging at home can help older adults maintain the relationships they have in their communities and preserve their independence for a longer period of time. It's also often where they feel most comfortable.
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Stay with your fuzzy friends
Aging at home has many perks, including the ability to stay with beloved pets your loved one may have. Not all residential care facilities are pet-friendly; or they may have specific limitations, like size, breed, or number of animals.
Aging at home has many perks, including the ability to stay with beloved pets your loved one may have. Not all residential care facilities are pet-friendly; or they may have specific limitations, like size, breed, or number of animals.
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Hiring caregivers
Not sure how to find an in-home caregiver? Whether you hire an independent caregiver or work with an agency, you can find a great match for your family's needs.

Hiring an independent caregiver
This type of care is often cheaper and offers flexible hours based on personal agreements, making it a good choice for many families. However, reliability can sometimes be an issue and you may need to find a replacement with short notice. Independent caregivers' skills and certifications can also differ, so it's important to check their qualifications.
Most care matching services offer background checks and some will allow you the option to pay a caregiver directly through the platform. For any caregivers you hire via community networks and word of mouth, you will need to manage background checks and payments yourself.
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Urbansitter is a care matching service with the unique ability to access the recommendations and reviews of friends, neighbors, and other people in your social circles.
Care.com is a care matching service providing access to a marketplace of background-checked caregivers across the full suite of care needs.
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Sittercity is a national care matching service with a vetting process, detailed caregiver profiles, and user-friendly search filters.
Using a home-care agency
While typically more expensive, home-care agencies tend to offer several advantages. Agencies ensure that caregivers are properly trained and certified, especially for specialized medical tasks. They handle all administrative and legal responsibilities, including payroll, taxes, and insurance. If your regular caregiver is unavailable, the agency provides a replacement to maintain consistent care. Agencies often require a minimum schedule commitment.
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Amedisys is a leading provider of health care in the home, offering high-quality home health, hospice, palliative care and high-acuity care in 38 states.
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Home Instead provides non-medical in-home care supporting elders with physical activities, personal hygiene, companionship, meal prep and more.
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CareScout helps older adults and their families navigate the aging journey and find quality care services in their homes.
Local networks & communities
Ask your community! Word of mouth can also work wonders for helping you find a trusted caregiver. Exploring local listings or support groups on platforms like Nextdoor or Facebook may help in your search.
Ask your community! Word of mouth can also work wonders for helping you find a trusted caregiver. Exploring local listings or support groups on platforms like Nextdoor or Facebook may help in your search.
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Make the most out of care matching!
Look for caregivers who have undergone the platform's background checks and have verified certifications, repeat clients, and positive reviews from families. You can often message a caregiver or request a video/phone interview before booking a trial session.
Look for caregivers who have undergone the platform's background checks and have verified certifications, repeat clients, and positive reviews from families. You can often message a caregiver or request a video/phone interview before booking a trial session.
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Worth the wait
Agencies may take longer to place a caregiver, but rest assured they are taking on the additional work to find a good fit for your schedule and needs. They also conduct background checks and often do additional trainings.
Agencies may take longer to place a caregiver, but rest assured they are taking on the additional work to find a good fit for your schedule and needs. They also conduct background checks and often do additional trainings.
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By Care.com
Find a good fit for your family with this list of essential questions.
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Paying for in-home care
It can be daunting to figure out how much in-home care costs and how to pay for it. Here are resources to help you get started.
How much does in-home care cost?
According to Genworth's Annual Cost of Care Survey , the national median cost of home care services (non-medical care) in 2024 is $30 per hour, and the monthly median cost for part-time care is $2,600 (4 hours/5 days a week). For home health aides, who additionally assist with medical tasks, the median cost is $33 per hour and the monthly median part-time cost is $2,860.
Many in-home care providers charge an hourly rate but may offer weekly or monthly discounts. This type of care may be a good fit if the older adult only needs part-time assistance or if there is more than one person needing care in the same location. 24/7 care at home tends to be more expensive than facility care.
Paying for in-home care
Medicare: Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance) cover eligible home health services (e.g., PT/OT, skilled nursing care) as long as you need part-time or intermittent skilled services and the person needing care is “homebound” and unable to leave the home due to a doctor's recommendation or other challenges. Medicare doesn't pay for 24-hour care, meal delivery, or homemaker services. Personal care for daily living activities (i.e., home health aides) are allowed if other services are being received.
Medicaid: In-home care services may be available via an older adult's regular state Medicaid plan, Home and Community Based Services (HCBS) Medicaid Waivers, or Section 1115 demonstration Waivers. Many states are willing to fund home health aides, and nine states have adopted the Community First Choice (CFC) Medicaid option that funds homemaker services. A functional need threshold must be met to receive this benefit.
Long-term care insurance: Older adults may be eligible for benefits from long-term care insurance if they have a policy in place. Eligibility is often determined by if the older adult can no longer perform activities of daily living or has become cognitively impaired. Beneficiaries may have to pay a premium and levels of coverage vary by plan and insurer.
Self-pay: Many caregivers pay for in-home care from a combination of their older adult's savings as well as their personal finances. If there are others involved (e.g., siblings), it can be very helpful to coordinate on a financial plan. Ideally, multiple people can contribute to the cost of care for an older loved one.
Know how insurance can help
Research the type of insurance your older adult has or is eligible for such as Medicare, Medicaid, and long-term care insurance. Some health conditions will qualify for financial coverage. Don't hesitate to ask for more information if you are unsure if your older adult qualifies for care.
Research the type of insurance your older adult has or is eligible for such as Medicare, Medicaid, and long-term care insurance. Some health conditions will qualify for financial coverage. Don't hesitate to ask for more information if you are unsure if your older adult qualifies for care.
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Money goes further for two
Caring for two people (such as a couple) through in-home care can be a cost-effective solution. While the provider rate will be higher than caring for one person, it is generally less expensive than paying for two individuals at a facility.
Caring for two people (such as a couple) through in-home care can be a cost-effective solution. While the provider rate will be higher than caring for one person, it is generally less expensive than paying for two individuals at a facility.
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By Genworth
Find localized cost info and compare across care types.
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Home modifications
There are a range of things you can do to make sure your home is safe for your loved one - some are small but impactful, others are a larger investment providing long-term peace of mind.
To ensure a loved one is safe at home, start with an assessment of their mobility challenges as well as the living space. From there, explore home modifications and assistive technologies for aging in place. Technology innovations such as video doorbells, digital voice assistants, and smart plugs can be a great way for caregivers to stay informed while also giving older adults independence and autonomy in their lives.
Smaller adaptations
If your loved one is at risk of falling, small home modifications can enhance their comfort and independence. Installing grab bars, using non-slip flooring, improving lighting, and removing tripping hazards are good first steps. For homes with multiple levels, stairlifts or ramps can provide additional safety and accessibility. It can also be helpful to consult a professional home assessor who can suggest products tailored to your loved one's home and guide you in creating a safer, more comfortable space.
Assistive technology
Personal emergency response systems are wearable devices that can detect falls and call for help. These go a long way in providing peace of mind for caregivers and older adults - especially if older adults wear them regularly. There are also new canes and walkers with integrated sensors to alert users about obstacles and lightly assist with mobility.
Smart home devices
Technology in the home can be a great investment for keeping older adults independent and safe. Voice-activated assistants can help with reminders, sending alerts, or even making calls. Security cameras and motion sensors can also monitor for unusual activity or falls (even from afar!). Installing smart lighting systems can also help prevent accidents around the home and ensure lights are on and off appropriately.
One-time costs
Usually, home adaptations are one-time costs. Ongoing costs can come from service subscriptions or devices.
Usually, home adaptations are one-time costs. Ongoing costs can come from service subscriptions or devices.
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Living with mom or dad
If you're considering moving your loved one in with you, you'll need to consider home updates that will allow your loved one to live comfortably and safely. You can start small and adapt as you go!
If you're considering moving your loved one in with you, you'll need to consider home updates that will allow your loved one to live comfortably and safely. You can start small and adapt as you go!
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By National Council on Aging
Comprehensive guide to home safety and accessible modifications.
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Finding in-home care and additional resources
Here are some trusted sources to help you navigate finding in-home care services and determine financial eligibility for different benefit programs.
Resources to help find care or access related benefits
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Find your local AAA for guidance A network of state agencies aka 'Area Agencies on Aging' can help you unlock benefits and services related to in-home care. Start by contacting your local agency.
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Get respite care support ARCH helps find local providers who offer in-home respite care services for family caregivers like you.
Financial and eligibility resources
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Understand your Medicare coverage Medicare can help cover the cost of in-home care for older adults on a part-time or intermittent basis.
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Determine your Medicaid eligibility American Council on Aging is a resource to understand Medicaid eligibility for in-home care across different Medicaid programs.
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Continue exploring
Not sure which would be the best fit? Compare all 3 options in our Comparison chart
In-Home Care
Adult Day Centers
Residential Care
Care provided by a trained caregivers or home health aides for an individual or couple in their home. In-home care supports older adults with daily activities and provides family caregivers a needed break (respite care).
Supervised out-of-home care for older adults in external settings. Older adults come during the day to socialize, enjoy activities, exercise, and dine with friends. Some centers may offer additional services like laundry. Participants live at home, but this can allow family caregivers to work during the day or take some regular time off.
Also called facility care, this broad category of care includes senior living communities, assisted living, and nursing homes. Residents live on-site and enjoy a range of services and benefits, which usually include housekeeping, activity/exercise classes, and/or meals.
Care can be provided part-time, full-time, overnight, and on weekends. In-home care usually requires a 4 hour minimum shift.
Programs are usually available on weekdays as a half-day or full-day. Nights and weekends are not typically options.
Facilities providing care support may offer more flexible part-time hours since they can serve multiple residents in a shift; up to 24/7 care available in some facilities.
Customized services based on need, from companionship and chores to help with bathing and mobility, up to 24/7 medical care. However, intensive or round-the-clock medical care at home can become prohibitively expensive for many families, especially if it's long-term.
Supervised setting for older adults who need light to moderate care support, such as transfer assistance, basic personal care, and medication management. There are also adult day health programs that offer higher levels of medical care, but these are less common.
Range of care levels offered depending on facility type: from light housekeeping all the way to 24/7 medical care. Continuous care facilities allow residents to transition between care levels without leaving the community.
This can be a more affordable option when care needs are light to moderate. Full-time care at home becomes expensive.
Lower hourly rate of care than an in-home caregiver, which makes it a good option for care during weekday hours.
While this type of care is expensive, once overnight or 24/7 care is needed, it is often more affordable than in-home care.