How Much Does Senior Home Care Cost in Washington State?

If you’re searching for senior home care in Washington state, then start here!

90% of seniors want to age at home. And, for that reason, home care has become an important part of aging in place. The costs will vary greatly depending on things like geographic location, services needed, and frequency of the care. Once you’ve decided that you or a loved one will need to hire some extra help, it can be useful to know what to expect. So, here is everything you need to know about the cost of senior care at home in Washington!

What is Home Care?

Home care encompasses a variety of services and types of assistance that you can receive in the familiar surroundings of your own residence. Its primary goal is to preserve your standard of living while promoting safe and secure aging within your home environment. Types of home care include:

• Companionship
• Personal care assistance
• Skilled nursing
• Physical therapy
• Occupational therapy
• Speech therapy
• Meal prep or meal services
• Homemaker services
• Transportation
• Health monitoring
• And many, many more…

About Washington

Washington, often referred to as the Evergreen State due to its lush forests, is located in the Pacific Northwest region of the United States and is known for its natural beauty and innovative spirit. It’s the birthplace of tech giants and has been pivotal in the aerospace industry with companies like Boeing enhancing its reputation as a hub for aviation and technology. The state is renowned for iconic landmarks such as the Space Needle and Mount Rainier, as well as the vibrant music scene that gave rise to grunge music in Seattle.

When it comes to the cost of living, Washington is approximately 21% higher than the national average (according to Best Places). With a population of over 7.6 million residents, about 15% of those are aged 65 years or older, reflecting a diverse and aging demographic. Outdoor enthusiasts can enjoy the Pacific coastline, numerous national parks, and activities like hiking, skiing, and kayaking amidst the state’s stunning mountains and waterways.

How Much Does Home Care Cost in Washington?

The national average cost of home care is just over $5,000 per month (Genworth Cost of Care Survey). Though the actual cost will vary depending on needs and whether a service or independent caregiver is employed, the average monthly cost in Washington is $6,562.

Homemaker Services in Washington State

The national average cost of homemaker services for seniors is $4,957 per month. The average in Washington is $6,547 per month.

Home Health Aides in Washington State

The national average cost of a home health aide is $5,148 per month. The average in Washington is $6,578 per month.

Adult Day Care in Washington

The national average cost of adult day health care is $1,690 per month. The average in Washington is $2,600 per month.

How Much Does Home Care Cost Compared to Other Senior Care Options in Washington?

Actual costs will always vary by facility and from one agency to another. It should also be noted that if a senior requires extended care or overnight care, the price will go up considerably. The national average for 24/7 care at home (168 hours) is $19,292.

Now, let’s take a look at the basic monthly averages. These totals are based on a 44-hour week:

How to Pay for Senior Home Care in Washington State

Besides personal savings, seniors and family caregivers living in Washington have several possibilities that can help pay if and when it’s time for home care!

Long-Term Care Insurance

Traditional health insurance rarely pays for costs associated with long-term care. Help with daily activities and mobility are a pretty big part of receiving long-term care. So, that’s where long-term care insurance can help. It can cover custodial care, meal services, and even housekeeping services.

Veteran Benefits

The VA will cover the cost of many services under standard health benefits.

To see a full list of long-term care services and to apply for assistance, check out these resources:

Va.gov

Home-Based Primary Care

Washington State Department of Veteran Affairs

Medicare

Medicare is government-provided health insurance for seniors who are over 65. It will not pay for custodial care but will cover the cost of skilled care at home.

Medicare Part A and Part B will pay for things like:

• Part-time skilled nursing care
• Physical, occupational, or speech therapy
• Medical supplies for home use
• Part-time home health aides

Medicare will pay if:

• Services are part of a plan of care created and reviewed regularly by a doctor.
• A doctor prescribed skilled nursing care or therapy for a specific medical condition.
• You are certified homebound by a doctor.

Medicare will not pay for:

• 24-hour care
• Meal services
• Homemaker services
• Personal care assistance

For Medicare help in Washington state, visit these resources:

Medicare.gov.

Washington State Office of the Insurance Commisioner

Medicaid

Medicaid is a joint federal and state program that helps low-income individuals pay for care. It can help with the cost of both custodial and medical care. Every state has different qualification requirements.

For eligibility and enrollment in Washington, visit these resources:

Washington State Department of Social and Health Services

WA.gov

Washington Association of Area Agencies on Aging

Washington State Council on Aging

State Assistance

Many states will offer additional assistance outside of Medicaid. Check these resources to find more help in your area:

WA.gov Services

Senior Care & Long-Term Housing Help

Need Help Finding Home Care?

Having an in-home care provider can be an essential part of aging in place. And, choosing the best provider is an important decision! If you’re looking for the best senior home care in Washington, then start with the Senior Resource Washington Home Care Directory!