Assisted Living vs. In-Home Care

Posted by McKenna Burr on Mar 28, 2016

In Assisted Living, Main



Coming to the realization that you or your loved one needs more care but not knowing which option is best for you can be hard. There are so many different options where you can receive care and making that decision is never an easy one. The two major types of senior care, assisted living and home care, have very different offerings so it is important to look at the advantages and disadvantages of each. 

Assisted Living

Assisted living offers care for seniors that need help with daily tasks but are not looking for daily medical assistance. Seniors that live at assisted living will usually have a community type feel but the residents will have an individual room. Assisted Living facilities will usually provide transportation, activities, meals and much more to the residents. They will also offer housekeeping services, laundry services and any health care services.

Assisted living facilities are good at providing emotional and physical support in any part of the residents life. They are there to help them with their daily activities such as, dressing, changing, medication management and other assistance. Making the move to an assisted living facility can be emotionally hard on the resident's because they transition from the comfort of their own home to a new home. This can be hard on the residents because they are feeling like they are being stripped of their independence. But the 24-hour help that they will be given will help them and allow the family to be able to be at peace about their care. 

In-Home Care

In-home care is a great way to receive extra help with care from the comfort of their own homes. This type of care is usually paid by hour and can vary depending on the level of care that is required. Home care services can include housekeeping, personal assistance, or medical assistance. By having in-home care, it avoids having to move a senior away from their spouse if one of them is needing care. 

In-home care is more private for the residents and they are able figure out a schedule that works for both the senior and the caregivers. In-home care can be hard for the family because there will not always be a worker there to watch over their loved one. The family is more relied upon and are expected to be able to help when necessary. 

There are both pros and cons to each of these living environments so it is best to decide which best fits your current situation. Below, we listed some information displaying the advantages and disadvantages of both of these. 

  In-Home Care Assisted Living
Advantages - Allows a person to "age in place" with family

- Privacy and comfort

- Socialization and recreation in adult day care

- Independence and control in scheduling and routine

- Affordable

- 24-hour support and supervision available

- One monthly cost (minus any extra fees)

- Facilities designed for safety and mobility

- Nutritional and fitness support

- Housekeeping, laundry, meal preparation, and transportation

- Limited on-site health care 

- Socialization and recreation
Disadvantages - High costs

- Can be burdensome or intrusive to other family members

- Support and supervision limited to hours designated

- Separation from home and family can cause emotional distress

- Low independence and control over schedule and routine


Finances plays a big part about when deciding to reach out for help with care. There are many different options where you can receive care. Below the prices for each of these options is broken down about what is included with assisted living and in-home care. Once taking a look at this graph,  you will be able to see what will work for you and your loved one. 

  In-Home Care Assisted Living
Housing, water, utilities, trash, etc. Not included $37,572 annually
Food Not included Included
Assistance with ADLs $64,240 annually (8-hours per day of home health aide, 7 days per week)

Day-time supervision and recreation $17,420 annually (adult day services 5 days per week)

Medicare Generally Not Covered  Limited to some medically necessary health-related services by certified providers. Adult day services are not covered.
Medicaid Some services may be covered by certified providers; services covered vary by state. Other housing/service costs are generally not covered.

Some services may be covered by certified providers; services covered vary by state. Adult day services may be covered; varies by state and eligibility.

Medigap Insurance Not covered Not covered
Long Term Care Insurance May be accepted; coverage varies by policy May be accepted; coverage varies by policy
SSI May be accepted by certified providers for eligible seniors
May be accepted by certified providers for eligible seniors
Veteran's Benefits May be accepted; varies by eligibility and state.

May be accepted; varies by eligibility and state.

Private Funds, Life Settlements Generally accepted Generally accepted


 This information was found on



Assisted Living Ebook