Home Care in Indiana

The average starting cost of home care in Indiana is $32 per hour, according to A Place for Mom’s proprietary data. Based on our ranking methodology, the top-rated home care agencies in Indiana are Home Instead - Elkhart, IN, Home Instead - Fort Wayne, IN or Home Instead - Mishawaka, IN.

Home care in Indiana helps older adults remain independent while receiving support in the comfort of their own homes. From larger cities like Indianapolis, Fort Wayne, Evansville, and South Bend to growing suburban communities like Carmel and Greenwood, many Indiana families turn to home care to help loved ones age in place. With a significant population of adults age 65 and older across the state, families often look for dependable caregivers, flexible care options, and services that fit both their loved one’s needs and budget.

Home care provides nonmedical assistance with daily activities, while home health care includes skilled medical services delivered by licensed health care professionals. Although some agencies offer both types of care, A Place for Mom’s network consists of nonmedical home care providers. A Place for Mom has partnered with 383 home care agencies to help seniors and their families find the right provider.

Home care in Indiana typically costs $32 per hour, which is close to the national average, $32.^[01] Monthly costs vary depending on how many hours of care your loved one needs. The following costs are estimated based on the average hourly rate in Indiana:

• Part-time care (20 hours/week): $2,698 per month
• Full-time care (44 hours/week): $5,935 per month

Several factors can affect home care costs in Indiana, including:

• Level of care (companionship vs. personal care)
• Specialized services (such as dementia care)
• Overnight care, weekend care, holidays
• 24-hour and live-in care needs
• Caregiver experience and certifications
• Location within Indiana

In Indiana, most families pay for nonmedical home care using a combination of private and public sources, which may include long-term care insurance, Medicaid, and other payment methods.

Private pay options

Private pay sources generally include:

• Social Security benefits
• Savings, investments, or pensions
• Long-term care insurance
• Life insurance conversion
• Reverse mortgage

VA benefits

Veterans may qualify for assistance through the Department of Veterans Affairs (VA). Programs that can help pay for home care include:

• VA health care, which may cover some in-home services.^[02]
• Aid and Attendance benefit, which provides monthly payments to help cover care.^[03]

You can learn more at VA.gov or through the Indiana Department of Veterans’ Affairs website.

Indiana Medicaid

Medicaid is a joint federal and state program that helps eligible older adults pay for health care and certain long-term support services. In Indiana, the state’s Medicaid program can help pay for home care services such as:

• Home health care
• Physical, occupational, or speech therapy
• Meal assistance
• Help with activities of daily living (ADLs)
• Housekeeping and other in-home support services
• Transportation

Indiana provides these services through two Medicaid programs for older adults: the Aged, Blind, and Disabled (ABD) program and the Pathways for Aging managed care program.^[04,05] Most Indiana residents age 60 and older who qualify for Medicaid are required to enroll in Pathways for Aging.

ABD Medicaid is an entitlement program, which means that all eligible seniors will receive benefits. In the Pathways for Aging program, medical services are guaranteed, but nonmedical services such as personal care and in-home support are limited, and your loved one may be placed on a waitlist if program capacity is full.

Eligibility for both programs depends on income, assets, and level of need for health care or daily support.

Medicare

Medicare covers limited home health care services, such as skilled nursing care or therapy, when medically necessary. However, it only covers nonmedical home care, such as help with bathing, grooming, feeding, or walking, when provided in conjunction with home health services.^[06]

Indiana regulates both home health agencies and nonmedical home care providers to help protect consumers. These regulations ensure agencies meet standards for safety, training, and quality of care.

Does Indiana require home care agencies to have a license?

Yes. In Indiana, nonmedical home care agencies must be licensed through the Personal Care Services Agency (PSA) Licensing Program, which is operated by the state’s department of health.^[07] The same department licenses home health agencies through the Home Health Agency (HHA) Licensing and Certification Program.^[08]

Does Indiana conduct inspections of home care agencies?

Yes. AHCA conducts inspections of home care agencies at licensure and again as needed.^[09] These inspections help ensure agencies comply with state regulations and maintain quality standards.

How to check licensing and inspection reports for home care agencies in Indiana

Indiana makes a directory of agencies’ license status available online, but not inspection reports, so ask agencies directly for their inspection histories. Licensed agencies must meet requirements related to:^[09]

• Staff qualifications
• Safety protocols
• Care standards

Some agencies may also seek voluntary accreditation from organizations like The Joint Commission, which can indicate a higher level of quality.^[10]

What are hiring practices for home care agencies in Indiana?

Indiana requires agencies to follow hiring and training practices, including:^[09]

• Background screenings for caregivers
• Verification of qualifications and competencies
• Initial training requirements

These standards help ensure caregivers are qualified to provide safe, effective support.

Choosing the right agency is one of the most important steps. Here are some tips to guide your decision:

• Check licensing. Make sure the agency is licensed in Indiana. A Place for Mom verifies licensing for agencies in our network twice per year, helping families feel more confident in their search.
• Read reviews. Look for consistent feedback about caregiver reliability and compassion.
• Ask about training. Ensure caregivers receive proper onboarding and ongoing education.
• Request detailed pricing information. Agencies may require weekly hour minimums and charge higher rates for care provided overnight, on weekends, and on holidays.
• Understand services. Confirm the agency offers the level of care your loved one needs.
• Meet caregivers. A good personality match can make a big difference when it comes to the comfort of your loved one.

Read more: How to Choose a Home Care Agency