Affordable At-Home Care for Seniors in Omaha, Nebraska and Surrounding Areas

Affordable At-Home Care for Seniors in Omaha, Nebraska and Surrounding Areas

Affordable At-Home Care for Seniors in Omaha: What You Need to Know

As the cost of senior living facilities continues to rise, many families are turning to at-home care as a more affordable and personal solution for aging loved ones. In Omaha, Nebraska and nearby communities, affordable in-home care is available through a variety of programs, providers, and payment options.

This guide from XTRAKARE walks you through the most accessible and budget-friendly ways to keep seniors safe, comfortable, and cared for—without leaving the place they call home.

Why Choose At-Home Care?

At-home care (also called in-home care or home-based care) provides seniors with daily assistance, right where they live. This can include help with:

  • Personal hygiene (bathing, grooming)

  • Medication reminders

  • Meal preparation

  • Light housekeeping

  • Companionship

  • Transportation to appointments

The major benefit? Seniors can maintain their independence and stay in familiar surroundings, all while receiving the support they need at a lower cost than assisted living or nursing homes.

1. Medicaid Waiver Programs in Nebraska

If your loved one is enrolled in Medicaid, they may qualify for Home and Community-Based Services (HCBS) under Nebraska’s Aged and Disabled (AD) Waiver.

Who qualifies?

  • Seniors 65+

  • Adults with disabilities

  • Must be eligible for Medicaid

  • Must meet “nursing home level of care” criteria

What’s covered?

  • In-home personal care services

  • Respite care for family caregivers

  • Meal delivery

  • Non-medical transportation

  • Adult day services

At XTRAKARE, we are proud to be a Medicaid-approved provider. We help families navigate the application and start receiving services as quickly as possible.

👉 Tip: Many families don’t realize they qualify. If your loved one already has Medicaid, they may be eligible for care at no out-of-pocket cost.

2. Private Pay and Sliding Scale Options

Not on Medicaid? You still have options.

Many reputable in-home care providers in Omaha offer private pay services, and some—including XTRAKARE—work with families on a sliding scale based on income.

How does private pay work?

You pay for hourly or live-in care as needed. Costs typically range from:

  • $25 to $35/hour for non-medical care

  • $150 to $300/day for 24/7 care

With smaller, locally owned providers like XTRAKARE, you can often customize your schedule and pricing to meet your needs and budget.

3. Veterans’ Benefits for Home Care

If your loved one served in the military, they may be eligible for Veteran-Directed Care (VDC) or Aid and Attendance benefits through the VA.

These programs can provide:

  • Monthly stipends to hire in-home caregivers

  • Assistance with personal care, meals, and mobility

Contact your local VA Nebraska-Western Iowa Healthcare System for eligibility. Currently XTRAKARE is not VA approved. 

4. Family Caregiver Support & Pay Programs

Caring for a loved one yourself? Nebraska offers options where family caregivers can be paid through Medicaid waivers or support programs.

At XTRAKARE, we assist families with:

  • Becoming certified caregivers

  • Getting paid through state-funded programs

  • Receiving backup support or respite care

5. Nonprofit and Faith-Based Services

Several organizations in Omaha provide low-cost or volunteer-based in-home care for seniors with limited resources, including:

  • Eastern Nebraska Office on Aging (ENOA)

  • Catholic Charities Omaha

  • Lutheran Family Services

  • Nebraska Aging Partners

They may offer:

  • Companion visits

  • Home-delivered meals

  • Minor home repairs

  • Wellness checks

We regularly partner with these programs to coordinate care for seniors in need.

6. Smaller Residential Alternatives

For seniors who need more than a few hours of help a day, but don’t want to move into a big facility, residential care homes like Legato living offer a balance between home comfort and full-time support.

These homes are:

  • More affordable than assisted living

  • Limited to a few residents (3–12 people)

  • Run like a family-style home

Prices can start around $8,500/month, including all meals, care, and activities—often lower than traditional senior facilities.

7. How to Find the Right Fit

When exploring in-home care options, ask:

  • Is the provider licensed and insured?

  • Do they offer free assessments?

  • Do they accept Medicaid or VA benefits?

  • Can you customize care hours and tasks?

  • Do they offer 24/7 on-call support?

At XTRAKARE, we offer free consultations, flexible care plans, and experienced caregivers who treat every client like family.

Final Thoughts: Affordable Care Is Within Reach

Caring for an aging loved one doesn’t have to break the bank. From Medicaid waivers and veteran benefits to personalized private-pay plans and local resources, Omaha offers many paths to affordable at-home care.

If you’re feeling overwhelmed, we’re here to guide you through every step.

Get a Free Care Plan Consultation from XTRAKARE

We’ll help you:
✅ See if your loved one qualifies for Medicaid
✅ Build a budget-friendly care schedule
✅ Explore 24/7 support or hourly options
✅ Connect with other senior resources in Omaha

📞 Call us today or fill out our quick form to get started!
➡️ Schedule a Free Consultation

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