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In-home care: What are your options?

There are a number of in-home care options for aging adults. Here's a breakdown of each.

In-home care: What are your options?

Joel J. of Berkeley, California, started thinking about home care for his mother-in-law after she totaled her car five years ago. “We knew she had been declining, but that was the wake-up call that she needed more help,” he says. This is a common scenario, says Dr. Nicole Rochester, a patient/caregiver advocate and founder of Your GPS Doc, a service that helps families navigate the health system. “Many families realize their loved one needs in-home care, but it can be confusing about what the options are and how to pay for it.”

Rochester says that as soon as you start thinking about getting help, you should gather family members together and write down all the tasks you believe your senior relative needs assistance with before you start your search, so you can find the right fit. “It’s also a great idea to get an independent evaluation from a social worker or geriatric care manager,” adds Nancy Avitabile, a licensed master social worker, owner of Urban Eldercare in New York and a past president of the Aging Life Care Association. “They can pick up on cognitive or physical decline that the family members may not notice and can steer you through the different levels of care.”

Luckily for Joel, his mother-in-law had a long-term-care plan (an insurance plan that covers services such as home aides and assisted living for qualified patients), and the insurance company provided him with a list of home-care agencies. “They sent someone to do an in-home evaluation, and then they recommended we have an aide two afternoons a week to help with driving and shopping, and to provide conversation and companionship,” he says. The agency has been very consistent, he adds, sending the same person most of the time. “My mother-in-law would prefer to stay at home as a long as possible, and this helps us know she’s safe,” he says.

Hiring through an agency has many advantages, says Avitabile. They will do all the background vetting of the candidate for you, make sure the worker is licensed (if necessary) and trained, and will handle tax filing and other paperwork, she says. Hiring an aide directly is also a good option, particularly for non-medical help. “That way you can find someone who can grow with your family member’s needs,” she points out. “The aide may start as a companion, and then take some training course as the needs expand, so you can have continuity of care.”

Here are your options for home care — from the least intensive to the most skilled levels of in-home care. Keep in mind that training and licensing requirements, as well as costs, vary by state.

Non-Medical Care

Home Health Aide

What is a home health aide?

A step up from simply being a companion, a home health aide also assists with the activities of daily living, including dressing, bathing/showering, feeding and going to the bathroom. While a home health aide can help remind the client to take his or her medication — putting all the pills out with breakfast, for example — they usually do not have formal medical training and cannot administer drugs. Home health aides may work part- or full-time or can live with a patient who requires around-the-clock care.

Home health aide training 

If you hire an aide through an agency, they will likely have been trained in a certificate program and be licensed by the state. If you hire home care privately, you can ask for proof of training and licensure. “A home health aide who comes through an agency will have a stricter schedule and a plan-of-care, which lays out all of the duties and activities throughout the day,” says Avitabile. Rochester points out that Medicare and health insurance do not pay for home health aides, but if your relative has a long-term-care policy and an evaluation shows that they require help with at least two activities of daily living, the policy may cover the cost of the aide.

What does a home health aide cost?

According to GenWorth, the average rate for a home health aide hired through an agency is $27 per hour.

Companion Care

What is companion care?

Companion caregivers provide friendship, conversation and mental stimulation for their aging clients. This can literally be a lifesaver for seniors who live on their own, says Rochester. “Loneliness in the elderly is a huge contributor to poor health and even death,” she points out. “Human interaction is incredibly important, especially if family members don’t live nearby.” The companion may also help with shopping, driving, light housework, watering plants and cooking, but will not do any hands-on care or grooming.

“Human interaction is incredibly important, especially if family members don’t live nearby.”


Companion care training 

No special schooling or licensing is required, though some companion-care agencies may have their own training program. “Agencies have a lot of really good workers who are often actors, artists or writers, who are used to working their schedule around the needs of the client — but most importantly, they like working with older adults,” says Avitabile. You may also find a college student, a neighbor, a member of your loved one’s church or synagogue who is a good fit for the job.

What does companion care cost?

According to, the national average hourly wage in 2022 for companion care is $13 per hour.

Medical Care

Skilled Nursing or Medicare Certified Home Care

What is skilled nursing?  

There are very few instances when a family needs a registered nurse in the home, says Avitabile. In fact, skilled nursing is usually only necessary after the patient has been discharged from the hospital and is recovering from an illness or injury. In this case, the doctor has determined that the patient is stable enough to go home but requires care for very specific medical tasks, such as wound care, tracheotomy, PICC lines, IV medications or infusions or colostomy care, says Rochester.

“Skilled nursing care is ordered by a physician, with a plan of care and with specific goals, usually for a 60-day time frame,” says Rochester. Unless the patient needs constant infusions, for example, the nurse will usually visit for a few hours at a time, a few days a week. It is important to note that the nurse does not replace a companion or home aide, but will work with the aide (or family caregiver) on a plan of how to best care for the patient when the nurse isn’t there. Skilled nurses do not provide services such as housekeeping, food preparation, or shopping, though they may help bathe and dress patients and assist with other activities of daily life.

“Skilled nursing care is ordered by a physician, with a plan of care and with specific goals, usually for a 60-day time frame.”


Skilled nursing Training

Most skilled nurses are registered nurses (RNs), which requires a bachelor’s or master’s degree, though they can also have an associate degree  and be trained as a licensed practical nurse (LPN) or licensed vocational nurse (LVN). All nurses must pass the National Council Licensure Examination (NCLEX-PN), and in some states there is additional training required for home care.

What does skilled nursing cost?

If the skilled nurse (or other in-home medical care, such as physical, occupational or speech therapist) is prescribed by a physician, it may be covered by Medicare or insurance for up to 60 days, as long as the provider comes from a Medicare-approved agency.  

Hospice care

What is hospice care?

Hospice care is specifically for patients who are terminally ill. “To quality for hospice care under Medicare or insurance, the doctor has to certify that the patient’s life expectancy is six months or less,” says Rochester. “No one has a crystal ball, of course, and if someone lives longer, there are ways to re-qualify.” Once a patient is under hospice care, they agree to forego curative, or life-saving, therapies, and the focus shifts to making the patient as comfortable as possible in their final days. Hospice nurses will come in a few hours a week to monitor vital signs and oversee pain medications, and the hospice agency also provides counselors and chaplains for both the patient and his or her family.

Hospice care training

Hospice nurses are RNs, LPNs or CNPs, who have undergone additional training in palliative care.

What does hospice care cost?

As long as the patient meets the requirements, hospice care is usually covered by Medicare or insurance.