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Cost of Home Care and 5 Ways to Pay

More and more families consider in-home personal care a viable long-term option for older loved ones. In-home personal care helps seniors age comfortably in familiar surroundings and may provide significant cost savings compared to assisted living facilities. Personal home care is also associated with various physical, social, and emotional health benefits for seniors.

However, during the planning stages, many families should learn more about home care costs, hiring a professional caregiver, and available payment options.

How Much Does Home Care Cost?

The hourly cost of services varies depending on home care location. Although most charge a flat hourly fee, some home care agencies may provide a discounted hourly rate for seniors who need more than a few hours of care each week.

Visiting Angels’ home care is fully customizable, which means seniors only pay for services when they need them. In contrast, assisted living facilities tend to require residents to pay for a range of services and round-the-clock care they don’t need.

For example, some seniors may only need care for a few hours in the morning or evening to assist with mealtime, grooming, and dressing. And in many cases, family members can pitch in with caregiving on certain days, further reducing the required care hours.

By paying only the necessary hours of care each week, seniors will see cost savings over the flat fee for 24/7 care charged by an assisted living facility.

How Can Seniors Pay for Home Care?

Figuring out how to pay for home care is a critical component of an older adult’s long-term care plan. Here are five main ways to pay for home care costs:

  1. Medical Insurance
    Most health and medical insurance plans do not cover in-home personal care. However, it’s a good idea to check with a senior’s medical insurance company to determine if any coverage is available. Although Medicare does not currently pay for home care, some states provide in-home care coverage through Medicaid. Some Medicare Advantage plans may offer personal care benefits.
  1. Long-Term Care Insurance
    Some seniors may have specific coverage through a long-term care insurance policy. These policies are separate from health insurance plans and are often purchased through an insurance agency.
  1. Veterans Benefits
    In-home care coverage may be available through various VA programs if a senior receives a pension from the Department of Veterans Affairs (VA).
  1. State and Local Assistance Programs
    Certain state or local programs provide financial assistance for in-home care. Check with your state Department of Aging to find out if any apply to you or a loved one.

  2. Private Pay
    Most Visiting Angels’ clients pay out-of-pocket, also known as “private pay,” which means older adults pay for care with their own funds. Usually, the funds are from individual retirement accounts (IRA), pension, Social Security benefits, 401(k), or other savings.

Plan for the Costs of In-Home Care?

Much like planning for retirement, planning for in-home care requires diligence, preparation, and an understanding of potential costs in your area. Having a plan to pay for in-home care can go a long way toward reducing aging-related stress and uncertainty.

Start planning and saving as early as possible.

Whether you are considering in-home care now or in the future, a no-cost, no-obligation home care consultation with a local Visiting Angels expert can provide a more detailed estimate of costs and availability in your area. A Visiting Angels team member will discuss your specific financial, insurance, and benefit-eligibility situation and recommend strategies to help cover the cost.

When the time comes, our caregivers will be ready and able to ensure you or a loved one will age in place safely and comfortably.

Serving The Greater Toms River- Brick area and communities throughout Ocean County

Visiting Angels TOMS RIVER, NJ
74 Brick Blvd #109A
Brick, NJ 08723
Phone: 732-240-1050
Fax: 732-240-0702

Serving The Greater Toms River- Brick area and communities throughout Ocean County

Visiting Angels TOMS RIVER, NJ
74 Brick Blvd #109A
Brick, NJ 08723
Phone: 732-240-1050
Fax: 732-240-0702


FOR IMMEDIATE RELEASE                   

Visiting Angels of Toms River Receives 2022 Best of Home Care® – Provider and Employer of Choice Awards

Brick – Visiting Angels of Toms River announced today that it has received both the 2022 Best of Home Care® – Provider of Choice and Employer of Choice Awards from Home Care Pulse. These awards are granted only to the top-ranking home care providers, based on clien tand caregiver satisfaction scores gathered by Home Care Pulse. Visiting Angels of Toms River is now ranked among a small handful of home care providers across the country who have proven their ability to provide an exceptional working experience to employees and the highest quality care to clients.

“We want to congratulate Visiting Angels of Toms River on receiving both the Best of Home Care – Provider of Choice Award and the Best of Home Care – Employer of Choice Award, ”says Todd Austin, President of Home Care Pulse. “Since these awards are based on real, unfiltered feedback from clients and caregivers, Visiting Angels of Toms River has proven their dedication to providing a great work environment and solid training to employees, while maintaining their focus on client and caregiver satisfaction. We are pleased to recognize their dedication to quality, professionalism, and expertise in home care.”

Best of Home Care providers have contracted with Home Care Pulse to gather feedback from their clients and caregivers via live phone interviews each month. Because Home Care Pulse is an independent company, it can collect honest and unbiased feedback.

“By winning both awards, we are part of a select few home care agencies in the nation.  This shows our dedication to the industry and striving to make it better every day,” says Dave Frost, Executive Director Visiting Angels of Toms River.

“At Home Care Pulse, our mission is to help home care businesses create an experience that goes beyond client and caregiver expectations,” says Todd Austin, President of Home Care Pulse. “We’re thrilled to recognize Visiting Angels of Toms River as a Best of Home Care award-winning provider and celebrate their accomplishments in building a team of happy, qualified caregivers who provide outstanding care for their clients.”

To find out more about Visiting Angels of Toms River’s commitment to excellence, please visit or call 732-240-1050.

About Visiting Angels- Visiting Angels is the nation's leading network of non-medical, private duty home care agencies. Licensed, bonded, and insured, we specialize in both hourly and live-in home care services for adults and seniors. From as little as 1 hour a day up to full 24-hour service, Visiting Angels provide both short, and long- term home care throughout Ocean County New Jersey. Staying Home is still the # 1 preferred choice by seniors. Simply call us to learn more about our service and how we can accommodate your individual needs. Our professionally trained staff at Visiting Angels is always available to answer your questions.732-240-1050

About Home Care Pulse

Home Care Pulse leads the home care industry in experience management, online training, and review management. Through its Care Intelligence Platform, HCP empowers home care providers to attract and retain caregivers even during a historic caregiver shortage. HCP also conducts the annual Home Care Benchmarking Study, the most comprehensive survey of home care providers in North America and administers the annual Best of Home Care awards to agencies that achieve best-in-class client and caregiver satisfaction scores. For more information, visit