Home Care in Indiana
Located on the edge of the Midwest and the Great Lakes, Indiana is an appealing destination for active retirees who enjoy sightseeing and spending time outdoors. The Hoosier State is filled with historic sites and noteworthy attractions, including the Indiana Dunes State Park on Lake Michigan and the Indianapolis Motor Speedway, the world's largest racetrack. It's also one of the nation's best areas for golfing. On top of that, the cost of living is almost 20% lower than the national average, and the climate is relatively pleasant, with chilly winters and balmy summers.
Seniors who are looking for a retirement destination that has it all will appreciate the state's strong health care system, which includes a high number of home health providers. In-home care is affordable, and property taxes are well below average. The Hoosier State is home to more than 1 million senior citizens, and older adults represent 27% of the population, which gives residents access to a greater selection of age-specific amenities and services. These features earned the state a SeniorScore of 72, which is on par with the national average.
Indiana seniors who are interested in aging in place with help from a home health agency can learn more about average costs, Medicaid programs and financial resources in this guide.
Top Home Care Agencies in Indiana
Home Instead Senior Care is a home care company based in Mishawaka, Indiana at 3025 Grape Rd. They offer personal home care services and home health care for senior clients. They can provide different personal services including house cleaning, ...
Located at 5910 Homestead Rd in Fort Wayne, Indiana, Visiting Nurse is a senior home care provider that offers in-home medical services in addition to personal home care. Since 1966, they have been helping customers throughout the Fort Wayne area. ...
Located in South Bend, Indiana at 3355 Douglas Rd Ste 100, Memorial Home Care HHA Services is a home health care company that offers personal care services and also home health care. They have been serving customers in the area ...
Located at 1947 Harder Ct Ste B in Schererville, IN, Assured Home Healthcare Inc is a senior in-home care provider that offers in-home medical services as well as home care. For almost 12 years, they have been helping seniors in ...
Located at 4200 W Lincoln Hwy in Merrillville, IN, Christian Home Health Services is a senior home healthcare company offering personal care and also in-home nursing care. For nearly 16 years, they have been helping seniors in the Merrillville area. ...
Located at 400 Erie Pass in Auburn, Indiana, Dekalb Health Home Care is a senior home health care provider that offers in-home medical care in addition to personal home care services. For nearly 33 years, they have been providing care ...
Located at 813 Westfield Rd Suite 200 in Noblesville, Indiana, Simply Home Health is a home health care company that offers in-home care along with home healthcare. Since 2014, they have been serving clients in the Noblesville area. They ...
Located in Seymour, IN at 411 W Tipton St, Schneck Medical Center Home Health Care is a senior in-home care provider that offers home care services as well as in-home health services. For nearly 33 years, they have been helping ...
Interim Healthcare of South Bend is a in-home care provider based in Mishawaka, IN at 605 W Edison Rd Ste H. They provide personal care as well as in-home medical care for senior clients. For nearly 41 years, they ...
VNA is a senior home care company based in Valparaiso, Indiana at 2401 Valley Dr. They offer in-home nursing services in addition to personal care services for senior clients. Since 1970, they have been serving clients throughout the ...
Home Helpers is a home health care provider based in Schererville, IN at 5836 Prairie Rose Dr. They offer personal care services as well as in-home nursing to senior clients. They provide multiple medical services such as cardiac care, ...
Located at 8771 Westpointe Dr in Indianapolis, Indiana, Home Instead Senior Care is a senior home health care company offering in-home medical care and personal care services. They offer multiple personal services including transportation assitance, help with mobility, reading assistance, ...
Visiting Angels Living Assistance Services is a senior home health care service provider based in Carmel, Indiana at 330 N Rangeline Rd. They provide in-home health care in addition to in-home personal care to seniors. They offer multiple personal ...
Located in Angola, Indiana at 306 E Maumee St, Cameron Home Health Care and Hospice is a senior home health care company offering in-home health care and also in-home care. They have been serving clients in Angola for nearly ...
Located at 1355 W Bloomfield Rd Ste B in Bloomington, IN, Home Instead Senior Care is a home care company that offers home healthcare and personal care. They can provide multiple personal services including pet care, offering emotional support, meal ...
Located in Lafayette, IN at 1803 S Creasy Ln, Comfort Keepers is a senior home care service provider offering personal care services and in-home health care. They can provide multiple personal services including assistance with reading, offering emotional support, general ...
Located at 2110 N Hospital Blvd Ste #3 in Sullivan, Indiana, Sullivan County Community Hospital Home Health is a home care provider that offers in-home personal care services along with in-home medical care. For nearly 16 years, they have been ...
Located in Indianapolis, IN at 8606 Allisonville Rd Ste 350, Gentiva Health Services is a senior home health care provider offering home care as well as home health care. They have been serving clients in the area for nearly 34 ...
Perry County Memorial Hospital is a in-home care company based in Tell City, Indiana at 115 Hwy 66 E. They provide in-home personal care as well as home healthcare to senior clientele. For almost 32 years, they have been ...
Paragon Home Health Care Inc is a home care provider based in Mishawaka, IN at 3310 Hickory Rd Ste B-1a. They provide home care and in-home health services for seniors. They have been operating in the area for 6 ...
The Cost of Home Care in Indiana
Research from Genworth Financial's 2019 Cost of Care Survey shows that the average cost of home care in Indiana is $4,334 per month. Home health care, which includes additional medical services, such as medication administration, skilled nursing and pain management, costs $50 more per month, a rate that's on par with the U.S. median of $4,385.
The Cost of Home Care in Indiana Compared to Nearby States
Home care costs in Indiana are very close to the U.S. median and similar to other parts of the Midwest. With home care costs topping $4,481 per month, Illinois is the region's most expensive state. Michigan is also slightly more expensive with home care prices that exceed the national average of $4,385. In Ohio, rates for both services are even with the U.S. median. Only seniors in Kentucky enjoy rates that are lower by a margin of $520-$570 per month.
| Cost of Home Care | Cost of Home Health Care |
Indiana | $4,334 | $4,385 |
The United States | $4,290 | $4,385 |
Illinois | $4,481 | $4,576 |
Kentucky | $3,813 | $3,813 |
Ohio | $4,290 | $4,385 |
Michigan | $4,385 | $4,481 |
The Cost of Other Senior Care Options in Indiana
Homemaker services in Indiana start at $4,334 per month, which makes it one of the more expensive options. Adult day health care costs $1,842 per month. However, these programs offer services in a group setting. Seniors in assisted living facilities pay just $4,100 per month, but they don't enjoy the same privacy of living at home. On the other hand, individuals who require skilled care but don't want to live in a nursing home can save approximately $2,600 per month by receiving similar services at home.
- In-Home Care: $4,334
- Home Health Care: $4,385
- Adult Day Care: $1,842
- Assisted Living Facility: $4,100
- Nursing Home Care: $7,021
The Cost of Home Care in Indiana's Top Cities
Home care costs in Indiana's largest cities tend to be slightly higher than the state median. The southwestern stronghold of Evansville offers the most competitive value with average prices of just $3,813 per month. Indianapolis and South Bend are even with or slightly higher than the state median, and Fort Wayne is one of the most expensive major cities. Home care in this community costs $4,385 per month, and home health care costs $4,671 per month, which is about 6% higher than the national average.
| Cost of Home Care | Cost of Home Health Care |
Indiana | $4,334 | $4,385 |
Indianapolis | $4,385 | $4,481 |
Fort Wayne | $4,385 | $4,671 |
Evansville | $3,813 | $3,813 |
South Bend | $4,385 | $4,385 |
Financial Assistance for Home Care in Indiana
Indiana Aged & Disabled Waiver
Indiana's Aged & Disabled Medicaid waiver provides home- and community-based services to help senior citizens and disabled adults remain in the community, avoid nursing home placement or return to a residential setting. It can help with the cost of attendant care, homemaker services and respite care. It will also pay for emergency response systems, specialized medical equipment, delivered meals, transportation and home or vehicle modifications, among other services. Individuals must require a nursing home level of care and meet Medicaid income and asset limits to qualify. Since this waiver allows for self-directed care, beneficiaries can choose which services they need as well as who provides them.
Contact Information
Individuals who want to learn more about this waiver and the application process should contact the INConnect Alliance at (800) 986-3505 to locate their local Area Agency on Aging.
Program of All-Inclusive Care for the Elderly
PACE is a medical and long-term care alternative available to individuals who are 55 or older and meet requirements for nursing home admission. It helps older adults who qualify for Medicare or Medicaid remain in the community and avoid institutionalization. Additionally, it streamlines care planning since all medical services and community-based supports are provided by a single organization. PACE offers medical care, including prescription medications and diagnostic services, physical and occupational therapy, in-home care and adult day programs. It will also pay for hospitalizations and nursing home care, although most members live in the community. PACE is available in select cities, including Mishawaka, Dyer and Greater Indianapolis.
Contact Information
Individuals can contact the National PACE Association at (703) 535-1565 to see if services are available in their area.
More Ways to Pay for Home Care
Since the programs mentioned above might not cover all the costs associated with home care, and not everyone may be eligible, alternative payment methods will often need to be explored. Some of these alternatives include out-of-pocket arrangements with siblings, annuities, reverse mortgages, private insurance, and more. Read SeniorAdvice's Guide to Paying for Home Care to find out more about your payment and financing options.
Indiana Home Care Rules and Regulations
Organizations that provide in-home care are licensed and overseen by the Indiana State Department of Health Home Health Agency Licensing and Certification Program. This government body is responsible for establishing and enforcing industry regulations.
Scope of Care | Home health agencies in Indiana may provide a variety of personal and medical services, including skilled nursing, physical or occupational therapy, speech therapy, social services and care from a home health aide. |
Care Planning | A written medical plan of care must be prepared by qualified staff members and reviewed by a physician, therapist or other medical professional at least once every two months or more often if needed. |
Medication Management | Home health aides can provide medication assistance, such as offering reminders, opening prefilled containers or helping consumers take noncontrolled substances. Injections and other medications must be administered by a skilled nursing professional. |
Staff Screening | Before hiring a candidate, home health agencies must review the applicant's record in the state's health care aide registry and request a criminal background check through the Indiana State Police. |
Staff Training | Registered home health aides must complete 75 hours of training plus at least 16 hours of classroom-based pretraining. Hospices and home health agencies are responsible for establishing their own training standards. |
Medicaid Coverage | Seniors and disabled adults who can demonstrate medical and financial need can qualify for in-home care through Indiana's Aged & Disabled Medicaid waiver. |
Reporting Abuse | Indiana is a mandatory reporting state. Information about suspected abuse must be reported to the Indiana State Department of Health by calling (800) 246-8909. Complaints can also be emailed to [email protected], faxed to (317) 233-7494 or mailed to the Health Care Facility Complaint Program at 2 N. Meridian St., 4B, Indianapolis, IN 46204. |
Free Home Care Resources in Indiana
Seniors in Indiana have access to many programs and services that help older adults maintain their independence and safely age in place. Below, we've compiled a few of the most helpful resources:
Indiana Area Agencies on Aging
Indiana is home to 16 Area Agencies on Aging that serve residents in designated regions statewide. These government-sponsored nonprofits are a single point of contact for individuals who need more information about senior services and disability resources in their community, including Meals on Wheels, transportation and healthy aging programs. AAAs also offer case management services for individuals who are applying for Medicaid waivers, in-home support and other financial assistance programs.
Contact Information
Individuals can call (800) 986-3505 to find an AAA in their community.
Indiana Department of Veterans Affairs
The Indiana Department of Veterans Affairs has served veterans and military families since 1945. This one-stop-shop helps qualified individuals secure state and federal VA benefits, including educational assistance, loans, tax breaks and medical care. Counselors can also provide information about long-term care assistance, including Aid & Attendance supplements that can help medically needy adults age in place.
Contact Information
For more information or to request a benefits consultation, veterans can call the DVA hotline at (800) 400-4520.
Over 65 Deduction and Circuit Breaker Credit
Senior homeowners who want to remain in the community but are concerned about growing tax bills can apply for Indiana's Over 65 Deduction. This homestead exemption excludes up to $14,000 or 50% of the property's assessed value, whichever is smaller. Seniors may also qualify for a Circuit Breaker Credit that can limit annual rate increases to approximately 2%. Income limits apply, and deductions are only available on properties with an assessed value of $200,000 or less.
Contact Information
Senor homeowners should contact their county assessor to learn more or to apply.
Indiana's Weatherization Assistance Program
Indiana seniors who own an older home may benefit from the state's Weatherization Assistance Program. This federal grant offers comprehensive energy audits and conservation services, including furnace and water heater upgrades, to homeowners who earn up to 60% of the state's median income for a similarly sized household. Services are available through Community Action Agencies in all 92 counties.
Contact Information
Homeowners can call the Indiana Housing & Community Development Authority at (317) 232-7777 to learn more.
Senior Home Repairs
Home repairs are available through a variety of state and federally funded programs as well as nonprofit groups, including Indiana Affiliates of Habitat for Humanity. The USDA and Veterans Affairs Regional Loan Center can also offer funding to help with home repairs and accessibility modifications. Finally, a number of counties and major cities offer Community Development Block Grants that can provide up to $25,000 to fund critical home repairs and rehabilitation.
Contact Information
Seniors can call 211 to find free or low-cost home repairs in their community.
Indiana Energy Assistance Program
Indiana's Energy Assistance Program provides financial assistance to help families who are unable to pay their heating or utility bills. Applications are processed from September through May, and emergency assistance may be available for households that are in crisis. If funding is unavailable, EAP can also refer consumers to other charitable organizations.
Contact Information
Information about the Indiana Energy Assistance Program is available by calling (317) 232-7777.
Other Cities in Indiana