Phoenix Metro Guide
In-Home Care in Phoenix, Arizona
In-home care brings professional caregivers to your loved one's home for help with daily activities, companionship, and basic health monitoring. It's a popular option for seniors who want to stay home but need a few hours of daily support.
What Is In-Home Care?
In-home care (also called home care or personal care) provides non-medical assistance in your loved one's home. Caregivers help with daily activities like bathing, dressing, meal preparation, light housekeeping, medication reminders, and companionship.
It's different from home health care, which involves skilled medical services (nursing, physical therapy) prescribed by a doctor. In-home care is personal support; home health is medical treatment.
In-Home Care Services
The Real Cost of In-Home Care
In-home care in Phoenix averages $27/hour. The total monthly cost depends on how many hours you need:
| Hours per Week | Monthly Cost |
|---|---|
| 10 hrs/week | $1,170 |
| 20 hrs/week | $2,340 |
| 30 hrs/week | $3,510 |
| 40 hrs/week | $4,680 |
| 44 hrs/week | $5,148 |
| 24/7 (168 hrs/week) | $16,000+ |
Key insight: In-home care is cheaper than assisted living when you need less than ~35 hours/week. Once you need 40+ hours, assisted living ($4,195/mo all-inclusive with housing, meals, and care) becomes the better value — and you still pay mortgage/rent on top of in-home care costs.
Paying for In-Home Care in Arizona
Private Pay
Most common. Personal savings, retirement funds, or family contributions.
ALTCS HCBS Waiver
Arizona Medicaid's Home and Community Based Services waiver covers in-home care for qualifying residents.
Veterans Aid & Attendance
VA pension provides up to $2,431/month for veterans needing in-home care.
Long-Term Care Insurance
Many LTC policies cover in-home care. Check your policy for home care benefits.
Medicare (Limited)
Medicare covers skilled home health visits prescribed by a doctor — NOT personal care aides.
Not Sure Which Option Is Right?
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