In-home services for seniors: the types of help, the questions to ask and how families pay

Staying at home safely often takes more than one kind of help. Use the checklist to describe what is needed, learn the difference between home care and home health, and find official places that can help you plan.

Home care needs checklist

Tick what applies to help you describe the situation. It gives a starting point for conversations with family, doctors and agencies. It is not a medical assessment.

Frequently asked questions

What is the difference between home care and home health care?

Home care is usually non-medical help with daily living. Home health is skilled nursing or therapy ordered by a doctor.

Does Medicare pay for in-home care?

It can cover some doctor-ordered home health services. It generally does not pay for ongoing non-medical help such as housekeeping or companionship. Check Medicare.gov for the current rules.

How do I find local help?

The Eldercare Locator finds your local Area Agency on Aging, which can point to services in your area.

How many hours of care will we need?

It depends on the person. Many families start with a few hours a week and adjust, with a review after any change in health.

What should I ask a home care agency?

Ask about licensing, caregiver screening and training, backup plans, costs in writing and how to end service.

Guides

Types of in-home care

Companion, homemaker, personal care and home health, compared.

Questions for agencies

Licensing, screening, backup plans and costs, in plain questions.

Paying for care

Medicare limits, insurance, Medicaid and local programs.

About this site

We are a marketing agency, not a care provider. For care decisions, talk to a doctor, a care manager or your local Area Agency on Aging. To ask about our work, get in touch or call (510) 857-7838.