Visiting Angels Cost: Prices With & Without Insurance

Visiting Angels is a national network of home care offices that provide non-medical help to seniors and adults who want to stay at home. Services range from companionship and meal preparation to bathing, dressing, mobility help and respite for family caregivers. The company does not set one price for the whole country, because local offices are independently owned and operated.

That structure explains most of the variation in what people report paying. This page walks through the rates published by third-party reviewers and by individual offices, what drives the hourly price, and how to get a monthly estimate that fits your situation.

The two ranges above are close but not identical. The Senior List reviewed Visiting Angels in general, while Chapter's range is for companion care. A few reasons the numbers differ:

• Franchise ownership: each office sets its own rates based on local wages, demand and costs.
• Type of care: companion care usually costs less than hands-on personal care.
• Visit length: short visits are often billed at a higher hourly rate than longer ones.
• When the data was gathered: home care rates change over time, so an older review can lag behind current pricing.

Treat any published range as a starting point, then ask your local office for its current rate sheet.

Hourly rates depend on whether you need companionship or personal care. Chapter reports the following for Visiting Angels.

Personal care involves hands-on help such as bathing, toileting and transferring, and the rate is typically higher than companion care. Companion care covers conversation, meal preparation, errands, light housekeeping and supervision. If the needs are mixed, ask how the office bills a visit that includes both.

There is no single monthly price. The monthly cost is the hourly rate multiplied by the hours you schedule, plus any minimums the office applies. A few visits a week for companionship will cost far less than daily personal care, and the same hourly rate can lead to very different monthly totals.

To build your own estimate, ask the office for the hourly rate for your care type, the minimum visit length and the number of hours the care plan recommends. Then multiply, and ask the office to confirm the total in writing. Because rates differ by office, avoid relying on a monthly figure from another city.

Franchise offices publish their own pricing, and the examples below are specific locations rather than company-wide rates. They illustrate how much the structure of a rate sheet can matter.

The Farmington Hills office lists a lower hourly rate for longer visits and a higher range for short ones. That pattern is common in home care, since each visit carries travel time and scheduling costs for the caregiver. If you only need an hour of help, ask whether a longer block would lower the effective hourly rate and still match your needs.

Other reviewers report rates for different locations.

Philadelphia and Delray Beach are only two offices. Your own local rate may be higher or lower, so use these figures to see the spread.

• Local wages and demand: caregiver pay differs from one market to another and is reflected in the hourly price.
• Care type: personal care costs more than companion care.
• Visit length and frequency: short visits can cost more per hour. Regular schedules may be easier to plan around.
• Overnight or live-in needs: ask how the office handles overnight shifts and whether they are billed differently.
• Special conditions: memory loss or complex mobility needs may call for specially trained caregivers.
• Holidays and weekends: some offices apply a different rate on certain days.

Many families pay out of pocket. Other sources may help, depending on the person and the policy.

• Long-term care insurance: some policies reimburse non-medical home care. Check the policy terms, then ask the local office whether it works with your insurer and what paperwork it needs.
• Veterans benefits: the Department of Veterans Affairs can explain whether a veteran or a surviving spouse qualifies for in-home care support.
• Medicaid: coverage varies by state and program. Check with your state Medicaid office or Area Agency on Aging.
• Medicare: check with Medicare about what it covers for non-medical home care before assuming a service is paid for.

For eligibility and tax questions, consult a licensed elder law attorney or financial professional.

• What is the hourly rate for my type of care, and is there a different rate for short visits?
• Is there a minimum number of hours per visit or per week?
• Are there extra charges for weekends, holidays, mileage or overnight shifts?
• Are caregivers employees of the office, and who handles background checks, insurance and payroll?
• Is there a contract, and what is the notice period to change or end service?
• Who covers the shift if my caregiver is unavailable?

Request the rate sheet and the service agreement in writing before you start.

Comparing providers is easier when you ask each for the same details: care type, schedule, minimum hours and total monthly estimate. Rates for independent caregivers may differ from agency rates, but an agency typically handles screening, scheduling and backup coverage. Get at least three written quotes, and compare them on the same schedule rather than on the hourly rate alone.