Keeping a loved one at home is often more affordable than families expect. With inhome care, you pay only for the hours of help you need, whether that’s a short morning visit or around-the-clock support. During your free in-home consultation, we’ll walk you through every option and give you a clear, written estimate. No pressure, no surprises.
Paying for In-Home Care
Home Care vs. Assisted Living: What Does It Really Cost?
Many families assume a move to assisted living is the more affordable choice. For most families, it isn’t. Assisted living charges a monthly rate whether your loved one needs a little help or a lot. With in-home care, you pay only for the hours of help you actually use.
Here’s how typical schedules compare, based on Arizona median costs:
| Care option | Typical schedule | Estimated monthly cost |
|---|---|---|
| In-home care | 3 visits a week, 4 hours each | about $2,000 |
| In-home care | 4 hours a day, weekdays | about $3,300 |
| In-home care | 6 hours a day, weekdays | about $4,900 |
| Assisted living | Private one-bedroom, base rate | about $6,200 |
Source: CareScout 2025 Cost of Care Survey, Arizona medians. Assisted living costs often rise with added care-level and medication fees. Your actual cost depends on the schedule your family chooses.
The value goes beyond the price. Staying at home means:
- No move. Your loved one keeps their home, neighbors, routines and pets.
- One-on-one attention. Your caregiver focuses on one person, not a whole hallway of residents.
- Care that grows with you. Start with a few hours a week and add more only if needs change.
- Your home stays yours. The home stays in the family instead of being sold to pay for a facility.
When needs become around the clock, assisted living or a combination of options may make more sense financially. We’ll give you an honest comparison during your free consultation, because the right choice is the one that’s right for your family.
Ways Families Pay for Care
Private Pay. Most families pay for care directly from savings, retirement income or with help from adult children. We offer flexible scheduling, including short visits and full-time care, so you can build a plan that fits both your needs and your budget.
Long-Term Care Insurance. Many long-term care insurance policies cover non medical home care once certain conditions are met, such as needing help with daily activities like bathing or dressing. We can review your policy with you and provide the care documentation and invoices your insurance company requires.
Veterans Benefits. Wartime veterans and their surviving spouses may qualify for the VA Pension with Aid & Attendance, which can help cover the cost of in-home care. We’ll explain how the benefit works and point you to the right resources to apply.
Other Resources. Some families also use life insurance policy options, home equity or other personal assets to fund care. We recommend speaking with a financial advisor or elder law attorney about what’s right for your situation.
Does Medicare Cover Home Care?
Medicare generally does not cover ongoing non-medical home care, such as companionship, personal care, meal preparation or help around the house. Medicare may cover short-term skilled care ordered by a doctor, which is a different service from what we provide. We’re happy to help you sort out the difference.
Why Choose an Agency?
Hiring a caregiver privately can seem less expensive at first. When you work with Assisting Hands Home Care – Gilbert, you also get:
- Caregivers who are background checked, bonded, insured and trained before their first shift
- No payroll, taxes or workers’ compensation for your family to manage
- Backup coverage if your caregiver is sick or on vacation
- Ongoing supervision and care plan updates from our office
Let's Talk About Your Options
Every family’s situation is different. Call (602) 851-8128 or schedule your free in-home consultation. We’ll help you understand your choices and create a care plan that works.
