If you’re caring for an aging parent in New York City, you know how quickly things can change. One week everything feels under control – the next, you realize you need extra hands. Home care can help your loved one stay safely in their own home, but the costs can sneak up on you if you don’t plan ahead.
At Galaxy Home Care, we work with families across Manhattan, Brooklyn, and Queens, making sure they have clear answers and trusted guidance from the very beginning – so decisions don’t have to be made in a rush.
How much does home care usually cost?
In 2025, most NYC home care agencies charge by the hour – typically around $30/hour. For families who need a steady schedule (about 44 hours per week), monthly home care costs often range between $5,500 and $8,000.
Many people start exploring care options after a hospital stay, surgery, or a sudden change at home. But planning earlier gives families more flexibility — and peace of mind.
What NYC Families Say
“Galaxy Home Care saved our family. My mom had a bad stroke in December that left her unable to live alone. Dealing with Medicaid/Medicare became my full-time job, and I wasn’t getting anywhere. If it wasn’t for Galaxy’s team – who are smart, caring, and truly professional – I still wouldn’t have a home care solution for my mom. They found the perfect home attendant, helped me secure more at home services, and continue to support and guide us. Someone finally had my back.”
– Anya Boroditsky
Stories like this are exactly why families choose Galaxy Home Care: our 20+ years of experience, high quality standards, and deep understanding of the NYC home care landscape.
How to pay for home care
Covering home care costs often involves combining several options. Here are the four most common ways NYC families manage it:
- Private Pay
Many families pay out of pocket, which gives the greatest flexibility and allows care to begin immediately. Depending on hours and level of support, yearly costs typically range from $30,000 to $150,000. - Long-Term Care Insurance
If your loved one has an LTC policy, it may cover some or all home care expenses. Galaxy Home Care works directly with insurance agents and adjusters to verify benefits, handle paperwork, and make sure families receive eligible reimbursements without added stress. - Medicaid Spend-Down
For families over Medicaid’s financial limits, approved medical and care-related expenses can be used to “spend down” to qualify for coverage. Our team helps with documentation, expense tracking, and guiding the transition to Medicaid home care. - NHTD Waiver (Nursing Home Transition & Diversion)
This New York State Medicaid waiver helps eligible seniors remain safely at home instead of moving into nursing homes. We assist families with assessments and coordinate services to ensure smooth enrollment.
Why Galaxy Home Care Stands Out in NYC
With 20 years on the market, Galaxy Home Care has built a reputation across Manhattan, Brooklyn, and Queens for:
- Expertise at every level – from home attendants and supervisors to financial coordinators.
- Deep understanding of senior clients’ needs – including matching the right caregivers to the right households.
- Well-structured processes for care delivery, billing, insurance coordination, and financial documentation.
- Transparent pricing and paperwork, so families always know where they stand.
Easy First Steps
Before starting care, talk to your loved one’s doctor. A simple care plan — medications, routines, safety tips — gives everyone a clear picture. When appropriate, the doctor can also order home health services to help your family manage medications and monitor health at home.
Whether your parent lives uptown or downtown in Manhattan, on a quiet Brooklyn block, or in a friendly Queens neighborhood, Galaxy Home Care is here to help you plan ahead, understand your options, and find caregivers who are respectful, reliable, and genuinely care.
Contact us today to talk about your situation. The sooner you start, the easier everything becomes.