The 10 Best Home Care Agencies for Seniors in Yuma, AZ for 2024 | Caring.com (2024)

Yuma, Arizona, is home to just over 97,000 residents including about 15,000 seniors aged 65 or older or about 15% of the population — slightly less than the state average of 18%.Seniors living at home pay an average cost of $4,290 for home care services in Yuma, according to Genworth’s 2021 Cost of Care Survey. Yuma’s cost is much less than the national average and even lower than the state average. Home care offers aging adults personal support services to safely age in place, but doesn’t include medical services such as home health care.

Below we’ve compiled a comprehensive directory of every home care provider in the CITY area – complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

Of the Arizona cities highlighted in the 2021 Genworth Cost of Care Survey, Yuma has the lowest monthly average home care cost. This isn’t surprising, considering it’s more than $1,000 lower than the state average of $5,339. It’s also lower than the national average of $4,957 by $667. Compared to other cities, it’s less than Prescott Valley’s average of $5,053 by $763, Tucson’s $5,434 average by $1,144 and Phoenix’s cost of $5,958 by $1,668. However, it’s below Flagstaff’s cost of $6,673 by nearly $2,400.

Home care includes personal care combined with chore services, while home health involves medical services from registered nurses or therapists. Although home health care tends to be higher, the average cost of both is identical in Yuma. Other senior care options in Yuma include adult day health at only $1,625, which offers limited services outside the home. Assisted living and nursing home care both require seniors to move to a long-term care facility and average $3,800 and $6,844 a month, respectively.

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

• Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursem*nt for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
• Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
• Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
• Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living.Contact the Department of Veterans Affairs to learn more.
• Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Seniors in Yuma benefit from several programs that help them save money and/or make it safer for them to age in place in their homes. Various nonprofit organizations and city, county or state programs provide these services, which are generally free for those who qualify.

Aging can be a difficult process, and loved ones may not always ask for help –often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.