How Much Does In-Home Care Cost?

Christian Worstell
In this article...
  • Discover the costs associated with in-home care and find out about what differentiates this level of elder care from home health care and assisted living.

In-home care costs and coverage option can vary based on your personal situation, where you live, your financial resources and other factors.

In this in-home care guide, we detail in-home health care considerations such as costs, coverage and types of care.

How Much Does Private Home Care Cost Per Hour?

On average, in-home care costs $21 per hour or an estimated monthly rate of $5,148 depending on the area and type of caregiver required.

  • Location: Areas with higher living expenses may have higher hourly rates for in-home caregivers.

  • Caregiver Type: Home health aides, certified nursing assistants, licensed practical nurses, and registered nurses all have varying levels of training and expertise that affect their hourly rate.

  • Schedule & Frequency: Part-time or intermittent caregiving is typically less expensive than full-time live-in assistance.

Medicare Coverage for Home Health Care

Original Medicare, consisting of Parts A and B, covers essential home health services for seniors who require assistance while living at home.

  • Long-term care or intermittent skilled nursing care: Medical care provided by registered nurses or licensed practical nurses.

  • Occupational therapy: Helps seniors maintain their independence by teaching them how to perform daily activities more efficiently.

  • Physical therapy: Assists with improving mobility, strength, and balance through exercises and other treatments.

  • Home Care Aide: Home care agencies will help provide personal care such as bathing, dressing, and grooming.

  • Speech-language pathology therapy: Helps improve communication skills after an illness or injury that affects speech abilities.

  • Durable Medicare Equipment: Medicare also covers certain medical supplies for use at home as well as durable medical equipment like wheelchairs and walkers.

Some Medicare Advantage plans may provide extra full-time care advantages over what is accessible through Parts A and B.

To be eligible for in-home senior care, a senior must have a doctor-approved plan of care and require skilled services from licensed professionals while also being unable to leave their residence due to medical issues. Additionally, the patient must be considered homebound due to their medical condition.

Benefits of In-Home Care for Seniors

Seniors who need assistance with daily activities such as household tasks can benefit greatly from in-home care, which offers personalized care, familiar surroundings, social connections, cost-effectiveness, and better recovery outcomes.

  • Personalized care: In-home caregivers tailor their services to meet each client's unique needs and preferences.

  • Familiar surroundings: Staying at home allows seniors to remain comfortable and secure in an environment they know well, which is particularly beneficial for those with cognitive impairments.

  • Social connections: Receiving care at home enables older adults to stay connected with friends, family members, and neighbors, which is crucial for overall mental health and well-being.

  • Cost-effectiveness: In-home senior care is often more affordable than assisted living communities or nursing homes when considering long-term average costs, and some insurance plans like Medicare cover certain aspects of home health services.

  • Pet-friendly option: In-home health care allows seniors to keep their furry friends by their side throughout this stage of life, providing companionship and emotional support.

  • Better recovery outcomes: Research shows that patients tend to recover faster from illnesses or surgeries when receiving treatment within the comfort of their own homes, which allows for a more personalized approach to recovery.

Overall, in-home senior care provides seniors with the opportunity to age gracefully and comfortably within their own homes while receiving the support they need from qualified professionals.

Who Can Provide In-Home Care?

Seniors requiring assistance with daily activities, medical needs, or companionship may benefit from in-home care services.

A range of experts can supply this service, depending on the individual's particular needs and desires.

Some common providers include:

  • Home Health Aides: These companion caregivers assist with personal care tasks like bathing, dressing, grooming, and toileting. Learn more about home care agencies from the Bureau of Labor Statistics.

  • Nurses: Registered nurses (RNs) or licensed practical nurses (LPNs) can provide skilled nursing services in the home setting, including administering medications, wound care management, and monitoring vital signs and chronic conditions like diabetes or heart disease.

  • Occupational Therapists: Occupational therapists help seniors maintain their independence by addressing challenges related to daily living skills such as cooking or getting dressed independently after an injury or illness.

  • Physical Therapists: Physical therapists work with individuals recovering from injuries or surgeries to improve mobility and strength through targeted exercises designed specifically for their unique needs.

  • Family Caregivers: In addition to professional caregivers, family members often play a crucial role in providing support for elderly loved ones at home. 


What is the Average Cost of Private Home Care Per Hour?

The average for personal care assistance costs per hour in the US ranges from $20 to $40, depending on location, level of care, and provider qualifications.

How Does Medicare Cover Home Health Care?

Medicare home health care coverage requires that your doctor declares the care be administered in your home out of medical necessity.

Medicare covers skilled nursing care, physical therapy, speech-language pathology services, occupational therapy and medical social services under its Part A and/or Part B plans if certain conditions are met.

What Are the Benefits of In-Home Care?

  • Maintaining independence.
  • Familiar surroundings for comfort.
  • Potential cost savings compared to assisted living facilities.
  • Better quality time with family members.
  • Tailored one-on-one care based on individual needs.

Who Can Provide In-Home Care?

In-home care can be provided by various professionals including home care aides, registered nurses (RNs), licensed practical nurses, occupational therapists, physical therapists (PTs), and medical social workers.


So, how much does private home care cost per hour? The cost of in-home care services can vary significantly based on location, the level of assistance required, and the type of caregiver providing it. 

Benefits of in-home care include personalized attention and the comfort of staying in a familiar environment. Providers can include certified nursing assistants and registered nurses, so research and compare before choosing one that fits your needs and budget.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

Read More
A couple uses their laptop computer while having coffee
This step-by-step guide can help you compare Medicare Advantage (Part C) plans to find the right type ...
Man Meets With Insurance Counselor
Where can you find the best Medicare Part D prescription drug plans of 2024? We review some of the ...
Wife smiles with husband while visiting him in hospital bed
What is the best Supplement plan for Medicare in 2024? Depending on what type of health care costs ...