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Chesapeake Caregivers of Annapolis, MD, Options Home Care of Annapolis, MD and Ready 2 Serve Home Health Care LLC - Alexandria, VA are the top home care agencies in Annapolis, Maryland, delivering professional and compassionate care to help older adults live safely at home. With 723 home care agencies in the area, families can choose from a wide range of providers. On average, home care in Annapolis costs $33 per hour — a flexible rate that makes it easier to budget for as much or as little support as your loved one needs.

Annapolis also offers a strong network of local services that support aging in place, including senior transportation, wellness programs, caregiver support, and home-delivered meals.

Home Care Agencies near Annapolis, MD

Table of contents

How much does home care cost in Annapolis, Maryland?
How to pay for home care in Annapolis
Resources in Annapolis that help seniors age in place
Home care laws and regulations in Maryland
How to choose the right home care agency in Annapolis

How much does home care cost in Annapolis, Maryland?

Home care in Annapolis costs an average of $33 per hour, according to A Place for Mom’s proprietary data.^[01] This flexible hourly model allows families to choose care that fits their needs — from a few hours of help each week up to around-the-clock care.

The cost of living in Annapolis is 27% higher than the national average,^[02] but state or federal programs may help reduce out-of-pocket expenses. If your loved one requires full-time care, you might also explore a nursing home, assisted living, or memory care as alternatives.

Average home care costs in Annapolis, MD

Average hourly rate

$33/hr

Average overnight rate

$36/hr

Average weekend rate

$36/hr

Home care costs vs. senior living costs in Annapolis, MD

44 hours of home care/wk

$6,154/mo

Assisted Living

$6,671/mo

Memory Care

$7,783/mo

Home care costs in Annapolis vs. state and national averages

Daily, monthly, and annual costs in the table below are based on a part-time care schedule of 4 hours of care per day, 5 days per week.

Cost comparison table showing home care costs by location. This table contains 3 rows of data across 5 columns.

Column location: Location (Location name)

Column hourlyCost: Hourly cost (Cost per hour)

Column dailyCost: Daily cost (Cost per day (4 hours))

Column monthlyCost: Monthly cost (Cost per month)

Column annualCost: Annual cost (Cost per year)

Location	Hourly cost	Daily cost	Monthly cost	Annual cost
Annapolis, MD	$33	$132	$2,858	$34,320
Maryland	$32	$128	$2,771	$33,280
National	$32	$128	$2,771	$33,280

Annapolis, MD

Hourly cost:$33

Daily cost:$132

Monthly cost:$2,858

Annual cost:$34,320

Maryland

Hourly cost:$32

Daily cost:$128

Monthly cost:$2,771

Annual cost:$33,280

National

Hourly cost:$32

Daily cost:$128

Monthly cost:$2,771

Annual cost:$33,280

Table showing 5 of 3 items. Click to show less.

Compare the costs of aging in place against senior living

Use our cost calculator to compare your loved one’s current living and home care expenses against the cost of senior living in Annapolis.

Get started

How to pay for home care in Annapolis

Families in Annapolis use a mix of private funds, insurance, and public benefits to pay for in-home care.

Private pay options

Common private pay sources include:

Personal savings and income. Many families use Social Security benefits, pensions, and retirement accounts.
Long-term care insurance. Policies may cover some or all home care expenses, depending on eligibility and service type.
Life insurance. Certain life insurance policies can be sold or repurposed to fund care.
Home equity. Reverse mortgages and home equity loans may offer additional financial flexibility.

Medicare

Medicare covers certain home health services when prescribed by a doctor and provided by a Medicare-certified agency. These may include:^[03]

Skilled nursing care
Physical, occupational, and speech therapy
Medical supplies and durable medical equipment

Medicare generally won’t cover personal care services such as help with dressing or meal prep unless they’re part of a broader care plan that includes skilled nursing care. Medicare won’t cover long-term care either.

Medicare resources in Annapolis

For local help with Medicare questions and enrollment, families can contact the:

Maryland State Health Insurance Assistance Program (SHIP)
Phone: 410-222-4077 (Anne Arundel County office)

For general information and assistance with Medicare, visit Medicare.gov.

Medicaid

For eligible seniors in Annapolis, Maryland’s Medicaid program offers in-home support through several waiver programs. These include the Community Personal Assistance Services Program (CPAS), Community First Choice (CFC), and the Community Options Waiver, which can help cover the cost of: ^[04]

Personal assistance services
Homemaker and chore services
Nurse monitoring
Respite care
Medical equipment and supplies

Medicaid resources in Annapolis, MD

For help applying for Medicaid or accessing services, seniors in Annapolis and their families can contact these offices:

Anne Arundel County Department of Social Services, Annapolis Office
80 West St.
Annapolis, MD 21401
Phone: 410-269-4500
Email: aacounty.dhs@maryland.gov
Anne Arundel County Department of Aging and Disabilities
Heritage Complex, Building 2666
2666 Riva Road
Annapolis, MD 21401
Phone: 410-222-4257
Email: info_and_assistance@aacounty.org
Maryland Department of Health
Phone: 410-767-1739

VA benefits

Eligible veterans and their surviving spouses in Annapolis may qualify for these veterans benefit programs that can be used to help cover the cost of home care:

Aid and Attendance (A&A). The Aid and Attendance benefit provides additional monthly payments to eligible wartime veterans and surviving spouses who receive a VA pension and require assistance with daily activities.^[05] These funds can be used to pay for in-home care services. To apply, visit VA.gov to download Form 21-2680. The completed form can be uploaded online, mailed in, or submitted in person at the nearest regional benefit office in Baltimore.
Homemaker and Home Health Aide Care. This program offers trained professionals to assist veterans with personal care needs, allowing them to remain in their homes. Services include help with activities like bathing, dressing, and meal preparation. Eligibility is determined by a VA health care provider, and services are coordinated through the local VA medical center. To apply, contact a VA social worker in Maryland for next steps.^[06]
Veteran Directed Care (VDC). The VDC program allows eligible veterans to manage their own care services, including hiring personal care aides. This self-directed approach provides flexibility in choosing caregivers and tailoring services to individual needs. Enrollment is coordinated through the local VA medical center’s social work department. To access the program, reach out to your loved one’s VA social worker.^[07]

Resources for veterans in Annapolis

In addition to the VA’s regional benefit office in Baltimore, support is available in or near Annapolis at:

Maryland Department of Veterans & Military Families
Federal Building, Room 3020
31 Hopkins Plaza
Baltimore, MD 21201
Phone: 410-230-4444, ext. 6450

Anne Arundel County Veterans Services Coordination Center
Heritage Complex, Building 2666
2666 Riva Road
Annapolis, MD 21401
Phone: 410-222-3500
Email: veterans-assistance@aacounty.org

Resources in Annapolis that help seniors age in place

The Anne Arundel County Service Center mentioned above also offers senior activity centers, a nutrition program, and more for elderly residents of Annapolis.

Annapolis Senior Activity Center
The Senior Center in Annapolis provides activities, outings, congregate meals, and more.
119 S. Villa Ave.
Annapolis, MD 21401
Phone: 410-222-1818
Email: annapoliscenter@aacounty.org

Partners in Care Maryland
This nonprofit organization in Anne Arundel County provides a range of support services, such as free rides, friendly visits, and light home repairs.
8151-C Ritchie Highway
Pasadena, MD 21122
Phone: 410-544-4800
Email: contactus@partnersincare.org

Meals on Wheels of Central Maryland
Meals on Wheels delivers nutritious meals to homebound seniors throughout central Maryland, including in Annapolis.
Phone: 410-558-0923

Home care laws and regulations in Maryland

Maryland’s rules and regulations for home care and home health care agencies help ensure that seniors receive safe, high-quality care.

Licensing and accreditation

Home care and home health care agencies in Maryland must be licensed by the Office of Health Care Quality, which is part of the Maryland Department of Health.^[08,09] Licensed agencies must meet standards for client safety, care documentation, staff training, and service delivery. Some agencies may also pursue optional accreditation from organizations such as the Joint Commission or CHAP.

Hiring practices

State regulations require home care providers to:^[09]

Conduct background checks on caregivers
Ensure staff complete required training
Maintain supervision and care documentation

These rules help maintain a high standard of in-home care statewide.

How to choose the right home care agency in Annapolis

Whether your loved one needs help with daily tasks or specialized support for chronic conditions, asking the right questions and doing thorough research can make all the difference when choosing a home care agency in Annapolis.

Request detailed pricing information

Ask each agency for a clear breakdown of hourly rates, minimum service requirements, and additional fees.

Ask about caregiver training and expertise

Look for agencies with trained staff in dementia care, mobility support, or chronic illness management. Confirm that ongoing education and supervision are part of their practice.

Check licensing and inspection history

You can verify licenses through the Maryland Health Care Commission’s quality reporting website and ask agencies for their most recent inspection reports.

Read home care reviews

Online reviews can highlight patterns in caregiver reliability, professionalism, and client satisfaction. Look for agencies with consistently strong feedback.

References

A Place for Mom. (2025). A Place for Mom proprietary data.
Payscale. Cost of living in Annapolis, Maryland.
U.S. Centers for Medicare and Medicaid Services. Home health services. Medicare.gov.
Maryland Department of Health. Community services for older adults and people with disabilities.
U.S. Department of Veterans Affairs. (2024, July 18). Aid and Attendance benefits and Housebound allowance.
U.S. Department of Veterans Affairs. (2025, May 30). Homemaker and home health aide care.
U.S. Department of Veterans Affairs. (2025, June 2). Veteran-directed care.
Maryland Health Care Commission. Opening a Maryland Residential Service Agency Fact Sheet.
Maryland Division of State Documents. General licensure provisions.

More questions?

Ask an A Place for Mom local advisor at no cost.

The information contained on this page is for informational purposes only and is not intended to constitute medical, legal or financial advice or create a professional relationship between A Place for Mom and the reader. Always seek the advice of your health care provider, attorney or financial advisor with respect to any particular matter, and do not act or refrain from acting on the basis of anything you have read on this site. Links to third-party websites are only for the convenience of the reader; A Place for Mom does not endorse the contents of the third-party sites.

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Top Home Care Agencies in Annapolis, Maryland

Home Care Agencies near Annapolis, MD

Our expert advisors can help

How much does home care cost in Annapolis, Maryland?

Average home care costs in Annapolis, MD

Home care costs vs. senior living costs in Annapolis, MD

Home care costs in Annapolis vs. state and national averages

Compare the costs of aging in place against senior living

How to pay for home care in Annapolis

Private pay options

Medicare

Medicare resources in Annapolis

Medicaid

Medicaid resources in Annapolis, MD

VA benefits

Resources for veterans in Annapolis

Resources in Annapolis that help seniors age in place

Home care laws and regulations in Maryland

Licensing and accreditation

Hiring practices

How to choose the right home care agency in Annapolis

Request detailed pricing information

Ask about caregiver training and expertise

Check licensing and inspection history

Read home care reviews

References

More questions?