Demystify the cost of 24-hour home care in New York and explore your caregiving options.
October 8, 2024
Before diving into the specifics of how much 24-hour home care cost in New York?, it's essential to have a broad understanding of home health care costs across the nation.
The national median cost of 24/7 home care in 2024 is $30 per hour, which equals about $720 per day, or $5,040 per week. The median cost of 24/7 in-home care per month is $21,823 based on the $30 hourly rate. However, costs can vary significantly based on location and level of support needed [1].
For part-time, full-time, and 24/7 home care services, the national median cost is $30 per hour. This figure includes estimates for different levels of support that an aging loved one might need.
Home care costs depend on several factors. The level of care required is a significant influence, with more intensive schedules like 24/7 home care and live-in home care potentially varying greatly in cost [3].
Home care agencies often charge by the hour with a minimum number of contracted hours, typically two to four hours per day or seven hours per week. Some agencies offer contracts for weekly or monthly care for seniors needing significant assistance regularly.
Geographical location also plays a role in the cost of home care. For example, Maine is the most expensive state for home care, while Louisiana and Mississippi have the lowest home care costs in the U.S. Factors such as cost of living, geographical location, and specific regulations can influence the cost of home care in each state.
Understanding these factors can provide a clearer picture of what influences the cost of home care, helping families and caregivers make informed decisions about the most common home care service options.
While weighing your options for elderly care, the cost factor plays a significant role in the decision-making process. It's important to compare the costs of home health care and assisted living to make an informed choice.
The national median cost of 24/7 home care is about $30 per hour, which equals about $720 per day, or $5,040 per week. Thus, the median cost of 24/7 in-home care per month is $21,823 based on the $30 hourly rate.
On the other hand, assisted living costs are comparatively lower. The national median cost of assisted living is $4,995 per month, which could be a more cost-effective option for some families compared to 24/7 home care.
However, these costs will vary based on location and level of support needed. For example, the median monthly cost of home care in New York is $5,720 per month, while the median monthly cost of a nursing home is $9,034 [2].
While considering the cost, it's vital to also evaluate the level of care provided. Home care services are primarily nonmedical care provided by a caregiver, while home health care services include medical care from a nursing professional, making home health care significantly more expensive than home care.
On the other hand, assisted living facilities offer a similar level of care to 24/7 home care. For seniors requiring frequent support with activities of daily living (ADLs) and round-the-clock supervision, assisted living may be a better option than home care [3].
In addition, the cost of 24-hour home health care is higher than standard home care as it involves medical services provided by skilled professionals like nurses and therapists. Nursing homes may offer a more affordable option than 24/7 home health care for seniors requiring round-the-clock care [1].
In conclusion, understanding the cost and level of care provided by both home health care and assisted living is crucial when deciding the best care option for your loved one. It's also essential to consider the impact of Medicare and Medicaid coverage on these costs. For more information on home care costs, visit our full guide on home health care costs.
While exploring options for 24-hour home care in New York, it's important to understand the role of Medicaid and Medicare in covering the costs. Both programs may cover some home health care expenses in certain situations, but typically do not cover round-the-clock care for an extended period of time [1].
Medicaid, an insurance program for low-income individuals, covers non-medical home care, home health care, and other in-home supports in New York. However, people who receive Medicaid services from Certified Home Health Agencies (CHHAs) usually are not approved for more than 8 hours a day, while Managed Long-Term Care (MLTC) plans may provide 24-hour live-in care for those who truly need it [4].
Historically, not all MLTC plans are the same when it comes to approving 24-hour care, with some plans being more generous than others. Since changes to the NY Medicaid system in 2011, it has become difficult for new Medicaid home care recipients to obtain approval for split shift care due to the costs associated with providing such care. Providers stand to lose money by providing split-shift care under the new Medicaid system.
It's worth noting that while Medicare and Medicaid may cover some costs, they typically do not cover round-the-clock care for an extended period. In such cases, nursing homes may offer the same level of care as 24/7 home health care at a more affordable cost [1].
Medicaid rules are state-specific, leading to differences in eligibility and benefits across states. It's crucial to understand the specific eligibility criteria in New York, which may include income and resource limits, as well as the need for care.
It's important to seek guidance from someone experienced in assisting people with obtaining home care through MLTC to identify a plan with a better chance of approval.
Understanding the coverage limitations and eligibility criteria for Medicaid and Medicare can help families plan for the costs of home health care and explore other funding options, such as private funds, retirement savings, pension income, or long-term care insurance [2].
Understanding the cost of 24-hour home care in New York is essential for families seeking quality care for their elderly loved ones. These costs can vary widely based on factors like location, level of care required, and the types of services needed.
In New York City, home care costs are higher than the national average. On average, home care in NYC can range from $24 to $35 per hour, which equates to a monthly cost of $4,956 to $7,020 for 44 hours of care per week. Basic home care services in New York City are around $30 per hour, with some sources indicating rates ranging from $25 to $200 per hour.
The table below summarises the average costs for different types of care services in New York City:
Source: Human Care NY
There are notable cost differences for 24-hour home care across New York state. In 2024, the average cost for non-medical home care in New York is $30.60 per hour, with state averages ranging from $21 to $35 per hour. Private individuals may charge 20% to 30% lower, but they might lack insurance, background checks, and backup options in case they are unavailable.
Home health aides, who provide more specialized services, charge an average hourly fee of $29.50 in 2024, with different state averages ranging from $21 to $38 per hour [5].
Interestingly, Alzheimer’s care at home in New York can be relatively low cost compared to residential care. Home care providers typically do not charge extra fees to care for individuals with Alzheimer’s, unlike senior living residences where Alzheimer’s and dementia care can cost an additional $800 to $1,200 per month.
This complex landscape of home care costs in New York underscores the importance of conducting thorough research and considering various home care options to meet the specific needs of the elderly loved one.
Understanding the financial implications of 24-hour home care in New York involves considering various factors. Two key considerations are the difference between daily and hourly rates and the challenges in getting Medicaid approval.
Live-in home attendants are not paid an hourly rate for a full 24 hours of care, but instead receive a daily rate that typically equates to roughly 13 hours of work if billed hourly. This lower rate is justified by the argument that the home attendant is not expected to be working for the full 24 hours [4].
Even if not approved for 24-hour Medicaid home care, individuals can opt for live-in home care, which is usually billed at a daily rate similar to 13 hours of home care. It's possible to contract with the licensed home care services agency (LHCSA) providing the home attendant to pay extra and have the attendant stay for the full 24 hours.
Since changes to the NY Medicaid system in 2011, it has become more difficult for new Medicaid home care recipients to obtain approval for split-shift care due to the costs associated with providing such care. Providers receive episodic or capitation rates and are not reimbursed more for providing more services. Split-shift care can be costly, and providers may stand to lose money by providing that level of care. However, live-in care is often available for those who truly need it.
People receiving Medicaid services from Certified Home Health Agencies (CHHAs) are usually not approved for more than 8 hours a day, and often substantially less than that. On the other hand, Managed Long-Term Care (MLTC) plans may provide 24-hour live-in care for those who truly need it.
Not all MLTC plans are the same when it comes to approving 24-hour care. Some MLTC plans are more generous than others in approving this level of care. Seeking guidance from someone experienced in assisting people in obtaining home care through MLTC can help steer individuals towards a plan with a better chance of approval.
In conclusion, understanding these factors can help families make more informed decisions about the costs of home health care and options available for live-in care.
In New York, the elderly and their families have various options for home health care services. The service duration and cost can vary significantly, depending on whether one chooses a private caregiver or an agency.
Home care services can range from a few hours a day to round-the-clock care. For individuals requiring constant care, 24-hour home care is a viable option. However, since changes to the NY Medicaid system in 2011, it has become challenging for new Medicaid home care recipients to obtain approval for split shift care due to the associated costs.
While Managed Long-Term Care (MLTC) plans may provide 24-hour live-in care for those who truly need it, people receiving Medicaid services from Certified Home Health Agencies (CHHAs) usually are not approved for more than 8 hours a day.
In 2024, the average cost for non-medical home care in New York is $30.60 per hour, with state averages ranging from $21 to $35 per hour. Private individuals can offer the same services at fees that are 20% to 30% lower, but they may lack insurance, background checks, and backup options in case they are unavailable.
Home health aides in New York charge an average hourly fee of $29.50 in 2024, with different state averages ranging from $21 to $38 per hour. They provide care such as checking vital signs, assisting with medications, and offering skilled nursing services.
For individuals not approved for 24-hour Medicaid home care, they can consider contracting with the licensed home care services agency (LHCSA) providing the home attendant to pay extra and have the attendant stay for 24 hours. This option may not be as costly as expected.
Knowing the cost of home health care is essential for budgeting and planning. For more information on the cost of home health care, visit our page on home health care costs. If you are considering other locations, you may also want to check out our page on how much 24 hour home care cost in New Jersey?.
[1]: https://www.aplaceformom.com/caregiver-resources/articles/24-hour-in-home-care
[2]: https://www.aplaceformom.com/caregiver-resources/articles/home-care-vs-nursing-home-costs
[3]: https://www.aplaceformom.com/caregiver-resources/articles/in-home-care-costs
[4]: https://hpsny.org/learning-center/home-care/twenty-four-hour-home-care/
[5]: https://www.payingforseniorcare.com/homecare/paying-for-home-care
[6]: https://www.humancareny.com/blog/how-much-does-home-care-cost-in-nyc
