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"Mom is turning 100 years old and still lives at home. She is somewhat mobile, using a walker to get around the house. She is pretty limitied to living room, kitchen, and bathroom. She can take medication orally and can feed herself. She can use the bathroom by herself. She is hard of hearing. She needs help with medications and can no longer cook. She needs almost 24 hour care - someone to be there for her."
24/7 in-home aid care can exceed the cost of a facility. A facility means your Mom's PoA (or whoever is managing her care) will have less to worry about, as in hiring, scheduling, paying people, finding subs, etc. Your Mom's house can be sold to help pay for the facility care, but she won't be able to do this if hiring aids since she'll be living there still. Hopefully she has the resources to pay for the aids or the agency.
$15 p/hr x 24 hrs = $360 per day (and $15 p/hr is not likely, more like $20-$25) but it depends on where she lives and if there is enough population so that aids are plentiful.
It is not so much the needs anymore as it is the fact that a person is hired to come in and fulfill those needs. If the needs are quite high, say dementia, mobility issues where the senior is at risk of falls, and incontinence, the cost can go up. Then there is the added cost of expecting such things as meal prep, driving to care appointments and etc.
You have, too, to decide if you will use an agency with insurance and vetting or if you are hiring on your own and doing your own bookkeeping and so on. This has to be meticulous because if the senior DOES enter care in future and does need any governmental programs assistance there has to be good records to show that it is care that was paid for, not gifting.
Good luck.
My cousin was still driving up until age 100, in spite of us telling her to stop.
Call agencies in your mom’s area to get price quotes. You might also want to look into pricing independent caregivers for your mom.
Hire more than one person if you are looking for around the clock care.
Wishing you all the best in finding suitable care for your mom.
There's much more to managing home care than you can imagine. It will wear you out. Also, facility care would cost much less, and the facility is responsible for taking to doctor appointments, housekeeping, and providing meals, entertainment, and field trips.
"Oh, but I'd never 'put' her in a 'home'!"
Go look at some assisted living facilities and weigh what they provide vs. what you're thinking about. Then multiply the home care issues by about 100, which is what it will end up being, and make your decision.