Navigating Senior Home Care Costs in Minnesota: A Guide for Families

Facing the decision of home care for aging parents or loved ones can bring a mix of emotions, and understanding the financial aspect can be downright stressful. Many families throughout Minnesota are looking into home care as an option in 2025 and, as one would expect, cost is a top concern. This guide will provide you with some clarity on what to expect and how to plan for this investment in your loved one’s well-being. 

Understanding Senior Home Care Costs

The cost of home care varies based on a number of factors such as the level of care required and how often you’d like your loved one to receive assistance. Here’s a general overview of what you’ll find in terms of cost across the Minneapolis metro area, including Eden Prairie, Chaska, Shakopee, and surrounding communities. 

Here’s a basic breakdown of what to expect: 

• Companion Care Services: This basic level of home care provides assistance with simple daily tasks such as cooking, light cleaning, and running errands. In Minnesota, rates range from $40 to $45 per hour.
• Personal Home Care Services: In addition to companionship, personal care provides support with personal tasks such as bathing, dressing, toileting and medication reminders. In Minnesota, rates range from $40 to $48 per hour.
• Live-in Care: If your loved one requires constant support, live-in care, or 24-hour care, can be arranged with many agencies. The cost of live-in or 24/7 care varies, typically ranging between $13,000 to $18,000 per month, depending on the agency and the specific needs of the care recipient.
• Specialized Services: If your loved one has Alzheimer's, Parkinson’s disease, or other forms of dementia, specialized care may cost more with some agencies, sometimes adding a premium of 10-20% to standard rates. Visiting Angels does not have additional costs for specialized services, all of our caregivers are trained to provide care for individuals living with specific conditions. 
• Skilled Nursing Care: When your loved one requires specific types of care such as rehab therapy (PT, OT) or specialized medical care (tube feedings, wound care, etc). Skilled nursing services may be necessary. These rates can range anywhere from $150-$250 per nurse visit, depending on the specific agency and requirements. 

Factors Influencing Home Care Costs

Remember, these figures are average and will most likely change over time. Be sure to check with the agency located in your community to confirm their pricing structure. Several factors influence the cost of senior home care throughout Minnesota:

• Location: Where you live can play a part in the pricing of home care services. Urban areas sometimes have higher rates than rural areas due to higher living expenses. 
• Number of Hours: Some agencies may offer discounts for longer shifts or bundled services, so it’s worth inquiring about flexible options.
• Time of Service: Evening, overnight, or weekend care can sometimes come at a higher price due to demand. At Visiting Angels we do not charge more for weekends, overnights or evening care. 

Budgeting for Senior Home Care

Planning ahead for the financial commitment that comes with in-home care is essential. Here are a few tips to help you when planning:

• Determine Your Loved One’s Needs: If you are unsure about the specific needs, a free consultation with an intake coordinator from Visiting Angels can be of great help. 
• Current Financial Situation: Take a close look at your loved one’s savings, insurance policies, and any government programs they might qualify for.
• Long-Term Care Insurance: If your loved one has a long-term care insurance policy, this will often cover home care services. Review the terms to understand what is covered and any qualification requirements that may apply. For more information, the AARP offers a comprehensive guide on long-term care insurance. 
• Government Assistance: Depending on your loved one’s income and health needs, they may qualify for Medicaid, Veterans benefits, or Minnesota’s Alternative Care program, which can help cover home care costs. Visit the Minnesota Department of Human Services to learn more about available programs.
• Family Assistance: Sometimes, families may need to pool resources among family members to cover the costs. 
• Home Care vs. Assisted Living: Depending on your loved one’s needs, hourly care may be more cost-effective than moving them into a senior living facility, or vice versa. 

The Visiting Angels Difference

Visiting Angels is committed to providing personalized home care services that put your loved one’s well-being ahead of anything else. Our caregivers are experienced and trained to assist with a wide range of needs, from ADLs to specialized Parkinson’s disease and dementia care. We also understand that every family is unique, and we’ll work closely with you to develop a care plan that fits your budget and provides your loved one with the highest quality of care and support.

Taking the first step can be difficult. Whether you’re just starting to research home care options or need help right away, we’re here to guide you every step of the way and provide the peace of mind you and your family deserve. 

Getting Started with Home Care

Costs of senior home care can feel overwhelming. But with a little planning and good understanding of your loved one’s needs and care options, it is possible to find a plan that works for you.  We’re here to help you get started, explore the options and make an informed decision that will prioritize your loved one’s well being and your peace of mind.

Visiting Angels offers personalized care plans and support throughout the entire home care journey. Are you ready to learn more? We’d be happy to schedule a free, no obligation consultation at your convenience. You can reach us by phone at 952-935-0789 or by using our inquiry form. Just reach out, we’re here to help!