For many families, adult day care is an affordable option when compared with the alternative care options. A typical day at an adult day care is 8 to 10 hours long, and is open around the needs of most working families.  The average price of senior adult day care, which varies by services offered, and region, is $67 a day.

Comparing Costs

While that may seem steep, compare it to the average cost of home health aides at $20/hour, or $200 for an all day aide.  And for twenty-four hour care in a semi-private room in a nursing home?  You’d be forking over $200 a day as well, according to the Department of Health Human Services.

Look for Flexibility

Many seniors and their families are on a fixed income and they may not be able to afford care every day.  As long as safety is not a concern, it may be that the senior would benefit from just a few days per week or even half days.  If that is the case, look for a program that offers flexible rates to accommodate such schedules.

Insurance Help

Medicare, Medicaid, veterans’ benefits or private health insurance may pay for a portion or all of the costs of long term care needs, but adult day care may not be covered by these programs.  For example, it is not covered under Medicare, but depending on the state, Medicaid payment may be an option. However, payment benefits depend on finances and functional eligibility.  If the senior has a medical condition like MS, dementia, or Parkinson’s, for example, then Medicare for health insurance may be more likely to cover such care.

Long Term Care Insurance

Many long-term care insurance policies will cover some or all of the costs associated with adult day care services.

Tax Advantages

Keep in mind as well that out-of-pocket expenditures may qualify as a tax-deductible medical expense.

Other Resources

For many families, paying for long-term care out of pocket can be a challenge. Ask about reduced fees or scholarship programs. Veterans, if not able to get direct aid through the VA, may be eligible for local, state, or regional benefits or scholarship dollars to help defray the costs of adult day care fees.

Financial Questions to Ask Potential Adult Day Care Providers

• Are any deposits required for admission?
• If a deposit is required, is it fully refundable?
• What is the base rate per day?
• What does the base fee include?
• What other services are available and what are the costs?
• Will I be billed?
• Does the center file with my insurance provider?
• What are your sick and/or cancelation policies?
• Does the center qualify for Medicaid or VA benefits?
• Do you have subsidies or scholarships available?
• Is there a minimum number of days that a participant must be enrolled?