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How Much Does Louisville In-Home Care Cost?

Louisville offers an abundance of senior care providers and resources. With more Kentuckians opting to remain at home past retirement, the in-home care industry is beginning to see a boom. You can find a caregiver in Louisville that can provide care on a respite, part-time, or full-time basis. Even if you are the primary caregiver, knowing you have someone to call for help in an emergency, can relieve a great deal of stress found in caregiving.

There are several options to covering in-home care for a loved one. With flexible schedules, the homemaker or aide may only need to work for a few hours a day or a week, which will save you money in the long run.

Quick Facts on In-Home Care

Seniors age 65 and older make up 14.8 percent of Kentucky’s population as of 2014.

Louisville and Jefferson County is the home to 41,368 veterans.

There are more than 47 providers of in-home care in Louisville.

Senior care is rising and Louisville is the home to more than 188 senior care providers and professional services.

About 70 percent of in-home care across the country is for seniors age 65 and older.

What to Expect from Homemaking Rates and Services

Homemakers in the Louisville area provide residents with companionship, light housekeeping, and meal preparation. According to the Genworth 2015 Cost of Care Survey for Kentucky, the average homemaker earns $19 per hour or $43,472 annually for full-time work.

What to Expect from Home Health Aide Rates and Services

Home health aides are trained, usually by nurses. These aides provide the same services as a homemaker, but can also check blood pressure, blood sugar, and pulse. Their training allows them to provide wound care, assist with activities for daily living (ADLs), and administer medication. Home health aides in Louisville and the Jefferson County area average $19 per hour, which is the same as homemakers. If you prefer to hire an aide for full-time care, the median rate for the year is $43,472.

The Varying Degrees of In-Home Care Available and Choosing a Provider

Caregivers, whether homemakers or home health aides, are available to work around your schedule and provide care, so your loved one can remain at home longer. You can hire an aide for full-time or part-time hours, or split the care into morning and evening shifts. Many agencies will provide aides for split shifts.

Aides can help you with respite care, allowing you to take a much-needed break. Respite care in Louisville is helpful if your regular caregiver takes a vacation or gets sick.

Another type of in-home care is the live-in caregiver. Having a caregiver on the premises at all times for intensive care or hospice care, can relieve you from some of that responsibility.

You can hire a caregiver yourself or you can work with an agency. The advantage of hiring a caregiver on your own is that you can choose who you want to care for your loved one, including a friend or family member. A major drawback, however, is the paperwork and taxes you will be responsible for filing.

An agency covers the hiring process, including background checks, training, insurance, taxes, and payroll, although you may not get a choice in the caregiver. Before hiring a caregiver or agency, ask for referrals from friends and compare companies online.

You can read ratings and reviews for Louisville agencies online at the Better Business Bureau website.

Ways to Pay for In-Home Care

Low income Kentucky seniors may qualify for the state’s Medicaid program through the Cabinet for Health Services. Medicaid will cover in-home care if you are eligible for the program. To qualify, the senior must be age 65 or older, blind, or disabled and meet the financial requirements. The Home and Community Based service is available through a waiver. Contact your local office to see if you or your loved one is eligible.

Veterans that served during war time are eligible for the VA Aid and Attendance benefit. This pension is an additional monthly amount added to the normal pension to cover in-home care expenses. Contact the Veterans Administration to learn more.

Retirement benefits and long-term care insurance policies will cover in-home care. Seek advice from a financial advisor before using other options, like taking out a reverse mortgage. You can also pay for care with funds from a checking or savings account, IRAs, or other investments. Contact a senior care advisor to learn more about ways to pay for in-home care.

Learn more about Caregiving in Louisville, KY here:

Louisville In-Home Care

Louisville Aging-in-Place

Louisville Respite Care and Adult Day Care

Louisville Support Groups for Caregivers

Find assisted living in Louisville near you.