Costs vary widely by location, type of care, and hours. Rather than quote averages that may not match your area, this guide explains what drives cost, how to get reliable quotes, and where to look for help paying.
What affects the cost
- Type of care: skilled nursing and therapy generally cost more than companion or homemaker help.
- Hours and schedule: total weekly hours, minimum visit lengths, and overnight, weekend, or holiday care.
- Location: local wages and demand differ from place to place.
- Level of need: help with transfers, memory care, or two-person assistance can affect rates.
- Who pays: what an insurance program covers changes what you owe out of pocket.
How to get reliable quotes
- Write down the tasks and the hours you need (see our agency checklist).
- Ask two or three agencies for written rates, including minimum hours and any extra charges.
- Ask what’s included: supervision, care-plan updates, backup caregivers.
- Compare the total weekly cost, not just the hourly rate.
Programs that may help
Medicare
Medicare covers home health care for eligible people at no cost for covered services, but it does not cover custodial or personal care when that’s the only care needed, or 24-hour care at home (Medicare.gov). See also Medicare’s page on long-term care.
Medicare Advantage
Medicare Advantage plans cover home health, and some offer extra benefits. Check with your plan about what’s included and which agencies are in-network.
Medicaid
State Medicaid programs can cover home and community-based services (HCBS), which may include personal care and homemaker help, for people who meet financial and functional eligibility rules. Programs and waitlists vary by state. Start with Medicaid.gov’s HCBS overview and your state Medicaid office.
Veterans benefits
The VA offers home and community-based services, including homemaker and home health aide care, for eligible veterans. See VA home and community-based services and homemaker and home health aide care.
Long-term care insurance
If your loved one has a long-term care policy, read the benefit triggers, waiting (elimination) period, and daily or monthly limits, and ask the insurer which agencies qualify.
Local and caregiver programs
Area Agencies on Aging may offer in-home services, respite, and caregiver support through programs such as the National Family Caregiver Support Program. Find yours through the Eldercare Locator.
Private pay
Many families pay for non-medical care out of pocket, sometimes alongside one of the programs above. Ask agencies about billing cycles and payment terms.
Free, unbiased help: your State Health Insurance Assistance Program (SHIP) offers free one-on-one Medicare counseling.
Ready to talk to local agencies?
Tell us what you need. We share your request with up to 3 agencies near you, only with your permission.