If you're looking into care for someone you love in New York, you might be juggling a lot of new words and phone numbers. This page puts the basics in one place. It points only to free, official resources. We don't recommend or rank any agency.
Sources: U.S. Census Bureau Vintage 2025 population estimates; CMS Provider Data Catalog Home Health Care Agencies (July 2026 file) and Hospice General Information (August 2026 file). Agency counts are a statistic only, not a recommendation. A count doesn't tell you about quality or whether an agency serves your area.
Three kinds of care, in plain words
Which kind of care fits? A quick guide
- Home health is short-term skilled care at home, like a nurse or therapist, ordered by a doctor. Agencies that bill Medicare must be Medicare-certified and follow federal rules.
- In-home care (sometimes called home care, personal care or attendant care) is help with daily life: bathing, dressing, meals and companionship. Families usually pay for it themselves, unless your loved one qualifies for a program like Managed Long Term Care (below).
- Hospice is comfort-focused care for someone with a terminal illness, usually given at home.
New York at a glance
New York had about 3.9 million residents 65 and older in 2025 (19.3% of the state), up from 3.4 million in 2020.
Note: Civilian population. 85+ grew from 429,141 to 478,142. U.S. share 65+: 19.0%.
What care costs in New York
Full-time paid in-home help (44 hours a week) had a median cost of about $80,080 a year in New York in 2025, vs. $80,080 nationally.
Note: Median of provider-reported rates; 44 hours/week x 52 weeks. Costs vary a lot by city and by hours. Figure taken from published CareScout state data (retrieved Oct. 2, 2026).
Costs vary a lot by city, by how many hours you need, and by what kind of help is needed. Many families start with a few hours a week rather than full-time care.
Medicare: what it covers at home
Medicare's rules are the same in every state. According to Medicare.gov, Medicare covers part-time or intermittent skilled care at home for people who are homebound (leaving home takes a major effort). A doctor or other provider must see your loved one in person and order the care, and a Medicare-certified agency must provide it. You pay nothing for covered home health visits.
Medicare doesn't pay for 24-hour care at home, meal delivery, homemaker services unrelated to the care plan, or personal care when that's the only help someone needs.
Hospice: Medicare covers hospice for people with a terminal illness who choose comfort care. It's usually provided at home (Medicare.gov).
In 2024, 7.6% of New York's Original Medicare enrollees used home health (141,559 people) and 1.2% of Medicare Part A enrollees used hospice (48,389 people).
Note: Home health counts cover Original Medicare only (not Medicare Advantage). Hospice counts include all Part A enrollees. Orange = U.S. comparison.
If your loved one has a Medicare Advantage plan, the plan's rules for home health apply. Call the plan or New York's free SHIP counselors (below) to check.
Medicaid help at home in New York
Medicaid can pay for long-term help at home for people who qualify medically and financially. Income and asset limits change, so we don't list dollar amounts here. Please check the official pages.
Managed Long Term Care (MLTC)
Run by: New York State Department of Health. Official page: www.health.ny.gov
- The Department of Health says MLTC helps people who are chronically ill or disabled and want to stay home. It covers services like home care, adult day health care, nursing at home, personal care and Consumer Directed Personal Assistance Services (CDPAS).
- Enrollment is generally required for people with both Medicaid and Medicare, age 21+, who need community-based long-term care for more than 120 days.
- Since September 1, 2025, new enrollees in most MLTC plans must also meet minimum needs requirements for help with daily activities.
- An independent assessment is part of the process.
Consumer Directed Personal Assistance Program (CDPAP)
Run by: NY Department of Health. Official page: www.health.ny.gov
- CDPAP lets Medicaid members who qualify for home care choose and direct their own aide.
- Check the Department of Health page for current rules.
Help for veterans
- VA Aid and Attendance or Housebound benefits add a monthly amount to a VA pension for veterans and survivors who need help with daily activities or are mostly homebound (VA.gov).
- The VA also offers home-based programs like homemaker and home health aide care and respite. Ask your VA social worker. The VA Caregiver Support Line is 1-855-260-3274 (Mon–Fri, 8 a.m.–8 p.m. ET).
- The New York State Department of Veterans’ Services can help with VA benefit claims (veterans.ny.gov, 518-474-6114). Listed in VA's directory of state veterans offices.
Free, official places to call
| What you need | Who to contact |
|---|---|
| Local aging services, caregiver support, meals, respite | Your Area Agency on Aging: find it through the Eldercare Locator, 1-800-677-1116 |
| Free, unbiased Medicare counseling | Health Insurance Information Counseling and Assistance Program (HIICAP): 1-800-701-0501 |
| Suspected abuse, neglect or exploitation of an adult | Adult Protective Services in New York is handled by county offices. Find yours in the NAPSA directory |
| Medicaid home care programs | Managed Long Term Care: see www.health.ny.gov |
| Compare Medicare-certified home health agencies and hospices | Medicare Care Compare (medicare.gov/care-compare) |
If someone is in danger or has a medical emergency, call 911. For an emotional crisis, call or text 988 (veterans: 988, then press 1).
What this means for your family
- Start with the doctor. Ask whether your loved one might qualify for Medicare home health, and ask for the list of agencies that serve your area. Medicare.gov says providers should give you one.
- Call SHIP (1-800-701-0501) for free help understanding Medicare or Medicare Advantage rules.
- If daily help is needed for the long term, read the official page for Managed Long Term Care and ask your Area Agency on Aging to explain the steps.
- Before choosing any agency, look it up on Medicare Care Compare, ask the agency for its state license, and ask your Area Agency on Aging how to check it.
- Take care of yourself, too. Ask your Area Agency on Aging about respite and caregiver support.
Sources
- Medicare.gov: Home health services
https://www.medicare.gov/coverage/home-health-services - Medicare.gov: Hospice care
https://www.medicare.gov/coverage/hospice-care - NY Department of Health: Managed Long Term Care
https://www.health.ny.gov/health_care/managed_care/mltc/ - NY Department of Health: CDPAP
https://www.health.ny.gov/health_care/medicaid/program/longterm/cdpap.htm - CMS: Medicare & You 2027 handbook, SHIP contacts (Section 9)
https://www.medicare.gov/publications/10050-medicare-and-you.pdf - NAPSA: Adult Protective Services, help in your area
https://www.napsa-now.org/help-in-your-area/ - VA: State Departments of Veterans Affairs office locations
https://department.va.gov/about/state-departments-of-veterans-affairs-office-locations/ - VA: Aid and Attendance and Housebound benefits
https://www.va.gov/pension/aid-attendance-housebound/ - Eldercare Locator (ACL)
https://eldercare.acl.gov/ - CareScout 2025 Cost of Care Survey, state data
https://www.carescout.com/cost-of-care - U.S. Census Bureau: Vintage 2025 state population estimates by age
https://www.census.gov/data/tables/time-series/demo/popest/2020s-state-detail.html - CMS Provider Data Catalog: Home Health Care Agencies and Hospice files
https://data.cms.gov/provider-data/ - CMS Program Statistics: Medicare Home Health Agency and Hospice tables, 2024
https://data.cms.gov/summary-statistics-on-use-and-payments/medicare-service-type-reports
This is general information to help you think things through. It isn't medical, legal or financial advice. For your family's situation, please talk with your loved one's doctor or a benefits counselor. In an emergency, call 911.