Cost of In-Home Care vs Nursing Home: A Vermont Family's Guide

In-Home Care vs Nursing Home Costs in Vermont: A Family Guide

When Vermont families start planning care for an elderly loved one, cost is often the first concern. The choice between keeping someone at home with caregiver support or moving them into a nursing home involves both financial and quality-of-life considerations. This guide breaks down the key differences, typical costs, and hidden expenses to help you make an informed decision.

Vermont’s Care Landscape

Vermont’s rural communities and aging population create unique challenges. Many families prefer “aging in place,” but limited nursing home availability and travel distances for caregivers affect both cost and access.

Typical Costs of In-Home Care

In-home care costs vary depending on the level of support:

• Companion care (social visits, light housekeeping, meals): around $25–$30 per hour.

• Personal care (help with bathing, dressing, mobility): $28–$35 per hour.

• Skilled nursing or specialized care (medical needs, dementia support): $40+ per hour.

Hidden costs may include home modifications, equipment, or family caregiver time.

Typical Costs of Nursing Homes

Nursing home expenses in Vermont are among the highest in the country:

• Semi-private room: averages $10,000–$11,000 per month.

• Private room: often $12,000+ per month.

• Memory care units: higher due to secure environments and specialized staff.

Additional charges can apply for therapies, medications, and personal items.

Key Financial Considerations

• Medicare: covers short-term skilled nursing or rehab, but not long-term custodial care.

• Medicaid (Vermont’s Choices for Care program): can help with both nursing homes and home-based services for eligible families.

• Private insurance/long-term care policies: may offset some costs but vary widely.

• Family finances: lost wages from caregiving, travel, and stress-related costs should also be considered.

Beyond the Numbers: Quality of Life

• In-home care allows seniors to remain in familiar surroundings with personal routines and family connections.

• Nursing homes provide 24/7 supervision, immediate medical response, and structured activities, but often less independence.

The Golden Lakes Home Help Advantage

Golden Lakes Home Help provides compassionate, non-medical in-home care tailored to Vermont families. Our Licensed Nursing Assistants (LNAs) help clients maintain independence, avoid unnecessary hospital stays, and manage costs by receiving only the care they need, when they need it.

Conclusion

The “cheaper” option depends on your loved one’s needs. For light to moderate support, in-home care is often more affordable and flexible. As medical needs increase, nursing homes may become necessary, but financial planning is key.

📞 Contact Golden Lakes Home Help today to discuss your family’s options and create a personalized care plan that balances cost, safety, and quality of life.