Care guide
Home care brings personal-care services and companionship into the senior's own home rather than moving them into a community.
For families who want to stay in the family home as long as possible, home care fills the gaps a family caregiver can't cover alone. A caregiver from a licensed agency comes to the house - for a few hours a week or live-in around-the-clock - and helps with bathing, meals, errands, medication reminders, and companionship. It's separate from home health care, which is medical care prescribed by a doctor.
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Home care fits seniors who can safely stay in their own home with some help, family caregivers who need respite, and households where moving to a community isn't the right answer (because of cost, preference, or a spouse who isn't ready). It's not appropriate for someone who needs 24-hour skilled nursing or active medical treatment - that's home health or a skilled-nursing facility.
Typical cost
$30 - $40 per hour (US median, 2026)
Most agencies require a minimum number of hours per visit, often 4 hours. Round-the-clock home care can run $20,000-$30,000+ per month, often more than a private room in assisted living. Long-term care insurance and VA Aid and Attendance can offset costs; Medicare covers medically prescribed home health (a different service) but not non-medical home care.
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From the resource library
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Top states by community count first, then the rest A–Z.
Care levels overlap. Use this to see what home care typically includes versus the next step up or down.
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Key Takeaways Medicaid’s estate recovery rules create risks for family homes, but strategic planning can protect your most valuable asset from long-term care costs. • Nursing homes cannot directly take your house, but Medicaid may place liens to recover care expenses after death through estate recovery programs. • Your parent’s home becomes vulnerable when equity…
More states
$30 - $40/hr
Non-medical help at home, paid by the hour.
Communities
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Northbrook, IL
