Paying for In-home Care in North East Ohio

Paying for in-home care for yourself or a family member can be expensive, especially as it is likely to be a long-term financial commitment. However, you may be surprised at the number of options available and different ways to cover the cost.

Common options for paying for in-home care

There are several options when it comes to paying for in-home care. Which one you choose will depend on your or your loved one's personal and financial circumstances but in time, most people find that they need to rely on a variety of payment sources including personal funds, government programs, and private insurances. In every case, however, some investigation and forward planning is required to get the most out of the available options to pay for long-term care.
The most common options to consider when paying for in-home care, or planning for a future when you or a loved one will need in-home care are discussed below

Private Pay

Private pay is the way most people pay for in-home care. Money from savings, a retirement account or generated from downsizing a home can all be used to pay for home care. Children or other family members can also contribute towards supporting a loved one at home either by formal or informal agreement.

Medicare Advantage Plans

Most Medicare Advantage plans (Medicare Part C) now cover unskilled in-home care services including personal care, medication management, and mobility assistance. They also cover the cost of temporary in-home help after a surgery or help at home after an extended hospital stay to avoid readmissions. Medicare Advantage is a supplemental Medicare plan and most people are only eligible after being approved for traditional Medicare.

Reverse Mortgage

Reverse mortgages are gaining popularity among seniors who have equity in their home and want additional income. They allow homeowners over the age of 62 to convert part of their home equity into a tax-free income without having to sell their home or give up title to it. The borrower must continue to reside in the house and pay all property taxes and insurance. The loan principal and interest are typically paid back from the proceeds of the sale of the home once the last borrower has permanently left the home.

Veterans Benefits

The Veterans Administration (VA) has many financial programs for veterans and their families, some of which can be used to pay for care in the home. Check with the local VA office, or visit the U.S. Department of Veterans Affairs website, to find out what financial support you or your loved one qualify for.

North East Ohio In‑Home Care from OndeCare

In-home caregiver avatar Dewanna Nurse's Assistant/Aide
Dewanna
Available in
North East Ohio
Nurse's Assistant/Aide
Services
  • incontinence care
  • companionship
  • transferring/positioning
  • mobility assistance
  • + 20 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Gwendolyn State Tested Nursing Assistant (STNA)
Gwendolyn
Available in
North East Ohio
State Tested Nursing Assistant (STNA)
Services
  • safety/fall protection
  • light housekeeping
  • socialization/entertainment
  • mobility assistance
  • + 9 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Veronica Direct Support Professional (DSP)
Veronica
Available in
North East Ohio
Direct Support Professional (DSP)
Services
  • meal preparation
  • socialization/entertainment
  • personal care
  • errands/excursions
  • + 20 more
Client transportation
BACKGROUND CHECKED
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In-home caregiver avatar Karla Registered Nurse (RN)
Karla
Available in
North East Ohio
Registered Nurse (RN)
Services
  • doctors visits
  • companionship
  • errands/excursions
  • medication reminders
  • + 15 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Ericka State Tested Nursing Assistant (STNA)
Ericka
Available in
North East Ohio
State Tested Nursing Assistant (STNA)
Services
  • medication reminders
  • light housekeeping
  • personal care
  • bathing/dressing
  • + 15 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Stephanie Home Health Aide
Stephanie
Available in
North East Ohio
Home Health Aide
Services
  • doctors visits
  • recreational activities
  • meal preparation
  • transportation
  • + 6 more
Client transportation
BACKGROUND CHECKED
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In-home caregiver avatar Carmen State Tested Nursing Assistant (STNA)
Carmen
Available in
North East Ohio
State Tested Nursing Assistant (STNA)
Services
  • mobility assistance
  • incontinence care
  • transferring/positioning
  • house cleaning
  • + 11 more
Pet friendly
BACKGROUND CHECKED
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In-home caregiver avatar EShira Certified Nursing Assistant (CNA)
E Shira
Available in
North East Ohio
Certified Nursing Assistant (CNA)
Services
  • personal care
  • socialization/entertainment
  • errands/excursions
  • light housekeeping
  • + 17 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Lamonte Certified Nursing Assistant (CNA)
Lamonte
Available in
North East Ohio
Certified Nursing Assistant (CNA)
Services
  • socialization/entertainment
  • transportation
  • personal care
  • light housekeeping
  • + 17 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Brittani Direct Support Professional (DSP)
Brittani
Available in
North East Ohio
Direct Support Professional (DSP)
Services
  • safety/fall protection
  • light housekeeping
  • socialization/entertainment
  • transportation
  • + 15 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Demetria State Tested Nursing Assistant (STNA)
Demetria
Available in
North East Ohio
State Tested Nursing Assistant (STNA)
Services
  • meal preparation
  • companionship
  • mobility assistance
  • recreational activities
  • + 8 more
BACKGROUND CHECKED
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In-home caregiver avatar Tiara State Tested Nursing Assistant (STNA)
Tiara
Available in
North East Ohio
State Tested Nursing Assistant (STNA)
Services
  • incontinence care
  • mobility assistance
  • memory care
  • transportation
  • + 19 more
Pet friendly
BACKGROUND CHECKED
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In-home caregiver avatar Lynique Licensed Practical Nurse (LPN)
Lynique
Available in
North East Ohio
Licensed Practical Nurse (LPN)
Services
  • memory care
  • companionship
  • safety/fall protection
  • errands/excursions
  • + 20 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Lisa Certified Nursing Assistant (CNA)
Lisa
Available in
North East Ohio
Certified Nursing Assistant (CNA)
Services
  • transportation
  • doctors visits
  • meal preparation
  • companionship
  • + 19 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Nylah Nurse's Assistant/Aide
Nylah
Available in
North East Ohio
Nurse's Assistant/Aide
Services
  • bathing/dressing
  • house cleaning
  • companionship
  • socialization/entertainment
  • + 11 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Ruth Registered Nurse (RN)
Ruth
Available in
North East Ohio
Registered Nurse (RN)
Services
  • socialization/entertainment
  • light housekeeping
  • companionship
  • mobility assistance
  • + 9 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Brittaney Home Health Aide
Brittaney
Available in
North East Ohio
Home Health Aide
Services
  • memory care
  • house cleaning
  • transportation
  • meal preparation
  • + 20 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Keiyana Certified Nursing Assistant (CNA)
Keiyana
Available in
North East Ohio
Certified Nursing Assistant (CNA)
Services
  • companionship
  • medication reminders
  • bathing/dressing
  • incontinence care
  • + 11 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Shawnda State Tested Nursing Assistant (STNA)
Shawnda
Available in
North East Ohio
State Tested Nursing Assistant (STNA)
Services
  • medication reminders
  • light housekeeping
  • memory care
  • errands/excursions
  • + 16 more
COVID-19 vaccinated
BACKGROUND CHECKED
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In-home caregiver avatar Misha Direct Support Professional (DSP)
Misha
Available in
North East Ohio
Direct Support Professional (DSP)
Services
  • companionship
  • recreational activities
  • light housekeeping
  • meal preparation
  • + 10 more
Client transportation
BACKGROUND CHECKED
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See more fully vetted, background checked caregivers that provide in-home care for adults available in North East Ohio.

Planning for the Cost of In-home Care

If you or a loved one’s aim is to age in place, an essential part of the planning is to consider how in-home care will be funded if and when it becomes needed. Talk to a financial advisor specializing in retirement planning to ensure the money is set aside from savings or can be made available from other sources. Consider LTC insurance and look into whether you or your loved one qualifies for Medicare Advantage or VA financial assistance.

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We've served over 200 families in Northeast Ohio, D.C., Virginia and Maryland.

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Child Care

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Adult & Elder Care

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Adult & Elder Care

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Child Care

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Adult & Elder Care

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Adult & Elder Care

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Child Care

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Special Needs Care

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Child Care

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Child Care

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Child Care

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Adult & Elder Care

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Child Care

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Adult & Elder Care

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Infant Care

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Child Care

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Special Needs Care

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Infant Care

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Adult & Elder Care

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Adult & Elder Care

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Adult & Elder Care

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Adult & Elder Care

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Adult & Elder Care

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Adult & Elder Care

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Adult & Elder Care

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Adult & Elder Care

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Adult & Elder Care

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Child Care

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Child Care

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Child Care

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Child Care

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Child Care

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Special Needs Care

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