Comparing Long-Term Care Options – Is a Nursing Home or Home-Based Care Right for My Elderly Relatives?
Family members dealing with elderly relatives in NYC and across the state of New York are frequently faced with the very difficult decision – should I be hiring a nursing home for my relative’s long-term care or hiring someone to do in-home care? While both types of care provide safe and supportive care for individuals, the type of care provided varies greatly in terms of cost, comfort and overall quality of life.
Below is a comprehensive comparison of nursing home and home care, utilizing current statistics and insights from experts, to assist you in making this decision. Additionally, this article will explore how many New Yorkers currently prefer in-home care because of its personalized approach to care combined with the comfort of being able to receive care in the comfort of their own home.
Cost Comparison of Care Models in New York
New York ranks among the most expensive states in the nation for long-term care, according to the Genworth Cost of Care Survey 2024. In addition, the cost difference between nursing home care and alternative forms of home-based care can exceed thousands of dollars per month.
| Care Model | Average Monthly Cost (NY, 2024) | What Services Are Provided? |
| Private room nursing home | $15,000 – $17,500 | 24/7 supervision, meals, medical services, common area use |
| Semi-private room nursing home | $13,000 – $14,000 | Shared room, nursing assistant, medical services and general activities |
| Assisted living facility | $6,000 – $8,000 | Residence, meals, some medical support and basic activities |
| Full-time home health aide (40h/week) | $5,500 – $6,500 | Customized home care services, flexible hours, emotional support and companionship |
| Part-time home caregiver (20h/week) | $3,000 – $3,800 | Minimal assistance, reminders to take medications, daily visits/check-in |
Source: Genworth Cost of Care Survey, NY 2024; AARP NY caregiving report
As illustrated in the table, nursing homes are approximately 2-3 times more expensive than home-based care alternatives. Families with a limited budget will find the cost savings of home-based care options to be a determining factor.
“The average annual cost of a private room in a New York nursing home exceeds $200,000 — a sum that could cover years of professional home care.” — AARP New York, 2024 Care Report
Additional Financial and Emotional Factors To Consider
In evaluating potential care options, many families initially focus on the financial aspects of the care options. However, financial considerations represent only part of the equation. Additional factors such as emotional comfort, independence and mental well-being should also be evaluated.
Pros and Cons of Nursing Home Care
- ✅ Medical care and continuous staffing available
- ✅ Structured daily routines
- ❌ Limited privacy and space to call your own
- ❌ High stress levels associated with relocating to a new, unfamiliar environment
- ❌ Potential exposure to infection (as experienced during the COVID-19 pandemic)
Pros and Cons of In-Home Care
- ✅ Familiar home setting and greater independence
- ✅ Personalized attention and interaction with caregivers
- ✅ Flexibility in scheduling to meet the individual’s needs
- ✅ Greater family involvement in the care process
- ❌ May limit immediate access to hospital-level care (dependent upon specific circumstances)
Research has demonstrated that older adults experiencing care at home have significantly reduced (25-30%) stress levels and report higher satisfaction compared to those receiving care in institutional settings (National Institute on Aging, 2023).
Which Type of Care is Best for Which Individuals
Ultimately, whether to select home care or a nursing home will depend on multiple factors including the individual’s health status, preferences and social needs.
Benefits of In-Home Care
- Ideal for individuals who are physically capable of performing daily activities but require assistance (i.e., bathing, cooking, cleaning).
- Ideal for individuals who desire independence and the comfort of remaining in their familiar environment.
- Ideal for families that wish to continue playing an active role in the care of their relatives.
- Ideal for patients recovering from surgery or illness requiring temporary care and support.
Benefits of Nursing Home Care
- Recommended for individuals with multiple medical problems requiring ongoing monitoring.
- Recommended for patients with advanced dementia or significant mobility impairments.
- Recommended for individuals with no family support system or those needing 24-hour supervision.
“For many families, the decision is not about selecting one type of care versus another — it is about creating a balance between medical safety and emotional well-being.”
Emotional Well-being and Quality of Life
Research has consistently shown that a person’s emotional well-being directly correlates to their ability to recover physically. Home care enables seniors to preserve their daily routines and establish a sense of identity and dignity.
Professional caregivers provide seniors with a high level of safety through:
- Monitoring their medications and diet;
- Preventing falls, burns, and/or medication-related accidents;
- Offering companionship and stimulating conversation throughout the day.
Creating Trust and Empathy Through Relationships
Trust and empathy are created through the relationships developed between seniors and their caregivers. This relationship is often absent in institutional care models. The “aging in place” movement — remaining in one’s home as opposed to moving into an institutional care model — continues to grow in popularity throughout New York. According to the New York State Office for the Aging, almost 70% of adults aged 65+ would prefer to remain at home for as long as possible if they had access to professional support.
As a result, families are increasingly seeking out licensed home care agencies that offer professional caregivers who can provide both supportive and compassionate care — providing a safe and secure environment for the seniors.
Message from Angel Care Home Care Agency Inc.
At Angel Care Home Care Agency Inc., we believe that home is much more than a physical structure — it represents security, comfort and emotional stability for our clients.
Our goal is to assist seniors in maintaining their independence, while also offering them the highest standards of professional care and support.
Angel Care offers:
- Certified caregivers trained in senior care and fall prevention;
- Hourly and full-time service plans tailored to meet each client’s unique needs;
- Emotional support and companionship to alleviate feelings of loneliness;
- Coordinated efforts with families and healthcare providers to facilitate seamless communication.
Selecting in-home care does more than just save money, it preserves the dignity, independence and connection to others that seniors may have otherwise lost.
Let us assist you in providing your loved ones with the safest, most comfortable and compassionate care possible in the comfort of their own home.
As a result of the rapid pace of New York City, there is a need for families to protect their loved ones from fraud and ensure they are safe in their homes. For those who rely on daily assistance and/or care, as well as seniors, the threats of both home safety and scams continue to evolve. As the city continues to grow, the threats to its citizens continue to evolve as well. In this article, we will review the current threats facing New Yorkers, the solutions currently available to address these threats, and what families can do to help keep their elderly loved ones safe. Why is this topic especially relevant to New York? There are many alarming statistics that demonstrate the urgency of this topic: According to the New York State Office of the Attorney General, between 2010-2019, there was an average annual loss of approximately $35 million to fraudsters targeting New York seniors; however, during 2023, New York seniors lost over $203 million to fraud, which equates to over $23,200 per hour. The New York State Department of State indicates that seniors are targeted as a vulnerable population by scammers using at least eight different major types of fraud. The Office of the New York State Attorney General has stated: “Fraud and abuse against older adults takes many forms … costing victims nearly $3 billion annually.” Due to the dense nature of the urban environment and the high level of mobility, there are additional safety concerns regarding strangers entering apartment buildings, phishing calls, and online traps. “Being a smart consumer requires having the tools to protect yourself from fraud and abuse … Too many of them make it a practice to target elderly New Yorkers.” – NY Attorney General’s Office Types of Home Safety Threats and Scams Category of Threat Example of Risk Why It’s Dangerous Phone / Internet scams “Bank” calls, phishing emails, fake insurance or device offers Loss of savings, identity theft Home visit scams Strangers offering to check utilities, meters, or security upgrades Home invasion, theft, extortion Physical safety at home Poor lighting, weak locks, lack of alarm systems Higher risk of burglary, injury Financial abuse by caregivers Unauthorized account access or manipulation Loss of independence, emotional distress Online / technical threats Pop-up messages stating “Your computer is infected!” and requesting payment Hacking of devices, ransomware, blackmail Photo 1. Research of Angel care Personal Care Assistance unit. According to the FBI, in 2024, older Americans lost an estimated $4.8 billion to scams, and New York ranks among the top impacted states. The NY Department of State has also warned about popular schemes such as the “grandparent scam,” “medical device scam,” and “jury duty scam.” Ways to Enhance Home Safety and Prevent Scams Families in New York today have access to a wide variety of modern solutions and methods to prevent scams and improve safety, including: Professional Care and Controlled Access Certified caregivers and aides can supervise and manage home access. Digital doorbell systems, smart locks, and visitor logs allow tracking of who enters and exits the home. Security consultations are available through community programs and private safety consultants. Education and Awareness Workshops are frequently offered at community centers and organizations for educating seniors on how to recognize scam calls or suspicious emails. Creating a simple “home safety plan” (emergency numbers and what to do when approached by strangers), can make a big impact. Families can sign up for newsletters from local consumer protection agencies to remain informed of new fraud tactics. Monitoring and Ongoing Support Regular visits by trusted caregivers or family members can identify early warning signs of exploitation or neglect. Financial joint oversight — reviewing statements together — can prevent unknown withdrawals. Community watch programs and neighborhood associations can be an additional layer of protection. “Safety is not a single event, it is a habit created through awareness, connection and consistency.” Why Family Involvement Matters Home safety for older adults is not simply about locks or alarms — it is about human relationships. Many cases of fraud succeed because seniors are living alone and therefore do not have daily communication. Regular contact, regardless of length, can greatly lower the chance of victimization. When families and communities are involved, seniors tend to feel more secure, confident, and less likely to believe a stranger who may take advantage of them. Final Thoughts from Angel Care Home Care Agency Inc. At Angel Care Home Care Agency Inc., we understand how vital it is for seniors to feel safe, taken care of and connected. Our mission is to provide professional home care, enabling older adults to remain comfortable in their own surroundings — without being left alone or feeling isolated. We provide personalized support that ensures your elderly family member receives caring service, daily assistance, and emotional support — making their home a safe place of dignity and peace. If you are seeking reliable home care in New York for your elderly family member, we are here to help. Because all people deserve to age safely — surrounded by care, not loneliness.
