Let’s talk about the help you need and what it would cost.
The cost of care depends on the schedule and the support your loved one needs. We’ll walk through those details with you and explain the options clearly. Endurance provides private-pay care, so the first conversation can focus on your family and the plan you’re considering.
Endurance Home Care is private pay, and the cost of a care plan depends on the schedule, the kind of help needed and where care takes place.
How families pay for care with us
Endurance is private pay. Families pay us directly, and we don’t bill insurance companies. If your mother or father has a long-term care insurance policy, you can use it, and we’ll help with the policy paperwork.
Medicare doesn’t pay for ongoing daily help at home, such as company, meals, bathing and dressing. It’s good to know that early, so the plan you make is one you can keep.
Independent Connecticut market figures
The 2026 Connecticut figures published by Long Term Care Navigator put home care at about $6,864 a month for 40 hours a week, which works out to roughly $37 to $42 an hour at that schedule. These are independent market medians, sourced outside Endurance. They show the broad shape of cost; the actual week, task mix, and insurance requirements determine a household plan.
- $37 to $42 per hour
- Implied Connecticut range at 40 hours a week, Long Term Care Navigator 2026
- $35 per hour
- National daily-living median, 2025, up 3 percent year over year
A New York market figure, for Westchester and Manhattan families
For a market reference only, the CareScout Cost of Care Survey (fielded July through November 2025) puts the New York state median for an in-home caregiver at $35 an hour, $6,673 a month, or $80,080 a year, based on 44 hours a week for 52 weeks. That is a statewide figure, not an Endurance price, and CareScout notes that a provider’s price may differ from the median. In New York, Endurance provides companion care only. See companion care in Westchester County and companion care agencies in New York.
The cost comes from the plan, so we start with the plan.
At 40 hours a week, staying home runs about $6,864 per month. Connecticut assisted living runs $9,118 per month, a semi-private nursing room $15,208 per month. Home care is billed by the hour and a facility is billed by the month, so the comparison depends on how much of the day needs covering. At moderate hours, remaining at home can cost less than moving to a facility.
Once we know what a typical day and night look like at home, we can tell you what care would cost. There’s no need to work out the schedule on your own first.
If your mother already lives in an assisted living community, the cost of one-to-one help in assisted living depends on the hours you add there.
Long Term Care Navigator, 2026 Connecticut figures.
What sets the cost of a plan
Every family’s plan is different, and these are the things that shape what it costs.
The schedule
How many hours, which days, and whether help is needed at night. A few mornings a week and full days around the clock are very different plans, and the cost follows the plan. The $6,864 month is what 40 hours a week comes to at the published Connecticut figure. Cut the schedule in half and the month roughly halves with it. Add overnight coverage and it climbs.
The kind of help
Companion care covers company, meals, housekeeping, errands, rides and reminders. Personal care adds hands-on help with bathing, dressing and moving around safely. We provide personal care in Connecticut and New Jersey. In New York we provide companion care, by the hour, overnight, live-in or around the clock. You can compare the kinds of care.
Live-in, overnight or 24-hour
Someone living in, an awake caregiver for the night, and caregivers working awake shifts around the clock are each set up differently, so each is priced on its own terms. Here’s how live-in and 24-hour care differ.
Where care takes place
Rates depend on where care takes place. Tell us the town, and we'll factor it in.
Paying with long-term care insurance
If there’s a long-term care insurance policy, families can use it for care with Endurance, and it is handled at the consultation stage. What a policy pays depends on its own terms, which is why a general answer is worth less here than fifteen minutes with the document in front of somebody. Bring the policy to the free consultation, where it is read against the care plan being priced, so the schedule you’re quoted and the coverage you hold are compared side by side instead of one after the other. We help with the policy paperwork.
For the ground rules first, read how long-term care insurance works with home care.
We don't take Medicare, Medicaid or VA benefits as payment. Families pay privately, or claim the cost back from a long-term care insurance policy.
What happens when you call
1
You tell us what's happening
Where care is needed, what's become harder, and the hours you're thinking about. A rough idea is enough.
2
We talk through the options
Which schedule and kind of help would fit, and what each would cost for your family.
3
A nurse visits at home
If you'd like to go ahead, a registered nurse comes to the house, gets to know the person you're caring for and writes the care plan with you.
4
You decide
Nothing starts until you say so, and the plan is reviewed as needs change.
It helps to know where care is needed, what has become difficult, the days and hours you’re thinking about, and whether there’s a long-term care insurance policy. If you don’t have all of that yet, call anyway.
In New Jersey, call (973) 315-5323.
Questions families ask about cost
How much does home care cost?
It depends on the schedule and the help needed at home. A few hours a week, overnight care, live-in care and 24-hour care are each set up differently, and hands-on personal care differs from companion care. For a sense of the market, the Long Term Care Navigator 2026 median in Connecticut is $37 to $42 per hour for home care; at 40 hours a week that runs about $6,864 per month. Nationally, the 2025 daily-living median is $35 per hour, up 3 percent year over year. Tell us what a typical week looks like, and we’ll explain what it would cost for your family.
Does Medicare pay for home care?
Medicare doesn’t pay for ongoing daily help at home, such as company, meals, bathing and dressing. Endurance is private pay: families pay us directly, and we don’t bill insurance companies. If there’s a long-term care insurance policy, you can use it, and we’ll help with the policy paperwork.
Does long-term care insurance pay for home care?
It can. What a policy pays depends on its own terms, such as the daily benefit and any waiting period. Families with a policy can use it for care with Endurance, and we help with the policy paperwork. Bring the policy to the free consultation, and we’ll read it with you against the care plan being priced.
What do you need to know to work out the cost?
Where care is needed, what has become difficult, the days and hours you’re thinking about, and whether help is needed at night. It also helps to know whether they need hands-on personal care or mainly company and help around the house. A rough idea is enough to start, and we’ll work out the details together.
Is the first conversation free?
Yes. The first conversation is free, and nothing starts until you say so. We’ll listen, talk through the options and explain what care would cost. If you decide to go ahead, a registered nurse visits at home and writes the care plan with your family.
Is home care less expensive than assisted living?
Often, at part-time hours. Connecticut’s 2026 figures from Long Term Care Navigator: assisted living $9,118 per month, a semi-private nursing room $15,208, and in-home care at 40 hours a week about $6,864. Home care is arranged by the schedule, while assisted living communities usually charge a monthly fee, so the comparison changes with the hours of care. We’re glad to work out what a home care plan would cost, so you can set it beside the communities you’re considering.
Is it more cost effective to keep a parent at home?
One Endurance client answered from experience: I had planned on putting mom in an assisted living facility, but the most cost effective choice was to keep her at home. The math backs the instinct at moderate hours: about $6,864 monthly for 40 weekly in-home hours versus a $9,118 assisted living median in Connecticut.
The price is only half the question. We offer significantly more value for money with 24/7 remote AI Audio Monitoring and access to our Nurse care managers.
Tell us about the help your family needs, and we’ll explain what it would cost. Endurance Home Care holds credentials in Connecticut and New Jersey.