Living Well Hospitality

How do you pay for in-home care assistance

How do you pay for in-home care assistance?

Elderly in-home care costs can vary greatly depending on a number of factors. The most important factor is the hourly cost of senior care, which a care manager typically determines by the geographic location, licensing requirements, and type of care.

Hourly Rate

The median cost of assisted living and home care in the U.S. was $26 an hour in 2021. However, this amount can vary significantly depending on the state or region. Home care costs are also higher in major metropolitan areas than in rural areas.

The average home health aid in the U.S. makes about $21 per hour. However, this rate can vary based on experience, education, and other factors like what your care includes.

Per Visit

There are a few different ways to pay for in-home caregivers. The most common way is by paying a flat rate per visit which averages around $600 per full day depending on where you are and what your home care services include. This can cover tasks that assisted living facilities may provide including help with activities of daily living (ADLs)

Monthly Rate

It’s important to remember that in-home caregivers are professionals, and should be treated as such.

That means that you should negotiate a fair monthly rate with your caregiver, one that covers their time and services. Be sure to take into account the level of care required, as well as the cost of living in your area. The average cost of services in comparison to nursing homes or senior living facilities is lower when it comes to senior home care services.

Remember, caregivers are providing a valuable service, and should be compensated accordingly.

Living Arrangement

When it comes time to pay for in-home caregivers, the cost can be a little confusing. In-home care costs are calculated by the hour. The median cost of home care on an hourly basis is roughly $21 per hour. Private insurance, long-term care insurance, and public programs can help pay for in-home care. You may opt to provide a private room for a dedicated caregiver who can help family members by taking over.


Medicaid is a government program that provides health care coverage for low-income individuals and families. In most states, Medicaid will pay for home care in the form of Personal Care Services or Personal Attendants. This means that you can hire someone to come to your home and help you with your everyday activities, such as bathing, dressing, and grocery shopping.

In some states, caregivers are paid an hourly rate by Medicaid. This rate varies from state to state, but it is typically between $8 and $15 per hour. Medicaid also covers home care costs, including in-home care, home health costs, and 24-hour home care. So if you need someone to help you at home, Medicaid is a great option to consider.

Long-Term Care Insurance

There are a few ways that you can pay for in-home caregivers.

One option is Medicaid. If your income and assets are low, you may be eligible for coverage. Medicare also offers some home health care benefits, but these tend to be more limited than what Medicaid offers.

Another option is to invest in a long-term care insurance policy. This can help you pay for the home care you need as you age. However, it’s important to choose the right policy and to anticipate your needs, as policies can vary widely in terms of what they cover.

Finally, some veterans’ programs offer coverage for in-home care. If you are a veteran, be sure to explore your options and see if you are eligible for benefits.


All in all, there are a variety of options available to help with your home care in Minneapolis and these levels of care come at various prices that fit your needs. If you have questions or need help putting together a personalized care plan, contact our care coordinators to get started today!