Home Health Aide Cost Calculator

Home health aides (HHAs) provide personal care — bathing, dressing, meal prep, medication reminders — and allow seniors to remain at home longer. Hourly rates vary widely by state and care level. This calculator estimates your private-pay costs and explains what Medicare and Medicaid may cover in your situation.

State (for hourly rate estimate)

Hours per week

Weeks per year

Care Level

Estimated Monthly Cost (private pay)

Medicare covers:Skilled home health (RN visits, therapy) when homebound and under a doctor's care. Does NOT cover long-term personal/custodial care.

Medicaid HCBS covers:Personal care aides under Home & Community Based Services waivers. Income/asset limits apply. Waitlists common.

Veteran's benefits:VA Aid & Attendance pension provides up to $2,400/month for veterans needing care. Apply at va.gov.

Save money:Agency HHAs cost more but provide backup/vetting. Independent contractors cost 20–30% less but you manage payroll taxes.