In-home care helps seniors live safely and independently at home with support that scales to their needs.
What does in-home care include?
In-home care ranges from non-medical support to skilled clinical care. Companion caregivers offer supervision, conversation, errands, and light housekeeping. Personal-care aides add hands-on help with bathing, dressing, grooming, toileting, and mobility. Skilled home health brings licensed nurses and therapists for wound care, medication management, and rehab. Most families start small and add hours as needs change. The right mix depends on whether your loved one mainly needs companionship, help with daily living, or medical attention. A free phone assessment with 1-800-MEDIGAP can clarify the right starting level.
How much does in-home care for seniors cost?
In 2025, U.S. home care averages roughly $30–$35 per hour, per Genworth's Cost of Care Survey, though rates vary by region and care level. Twenty hours a week runs about $2,800–$3,000 monthly. Costs rise for skilled nursing, overnight shifts, and holidays. Live-in care can cost less per day than hourly 24-hour coverage. Comparing local agencies is the best way to find fair pricing for your situation.
How can families pay for senior home care?
Options include private pay, Medicaid and state waivers, long-term care insurance, VA benefits such as Aid and Attendance, and certain Medicare Advantage supplemental benefits. Original Medicare covers only skilled, part-time home health for homebound seniors — not ongoing custodial care. A licensed advisor can review which programs you may qualify for. Call 1-800-MEDIGAP for free help navigating the options.