Home care · Broadwater County, MT
Home care in Broadwater County
Broadwater County is home to about 7,000 people, 1,690 of them 65 or older, spread across a county that is 100% rural. Distance is the quiet problem here: the adult child two towns over, the appointment an hour each way, the caregiver who has to drive it.
Below is what we'd tell a friend in Broadwater County: what care costs here, who provides it, what the facility alternative actually looks like, and which programs pay.
Broadwater County, in numbers
Full Montana guide →Residents 65+
1,692
24.3% of the county.
Live with a disability
14.7%
About 1,019 people — the population most likely to need help at home.
Median household income
$67,927
20 hrs/week of care would run about 58% of it.
Certified agencies
5
Medicare-certified home health agencies serving local ZIPs; 5 rated, averaging 3.2★.
Sources: CDC/ATSDR Social Vulnerability Index 2022 (ACS 2018–2022), County Health Rankings 2024, and CMS Care Compare provider files.
What home care costs in Broadwater County
Montana's going rate for agency home care is around $38/hr. Twenty hours a week — four hours a day, five days a week, the most common schedule families start with — comes to roughly $3,300 a month, or $39,500 a year.
Median household income in Broadwater County is $67,927 — that schedule runs about 58% of it. Manageable for some households here, and still worth checking whether a program can carry part of it.
Who provides care in Broadwater County
5 Medicare-certified home health agencies serve ZIP codes in Broadwater County. 5 of them carry a CMS quality star rating, averaging 3.2 out of 5. 5 report offering home health aide services.
That is above the Montana average of 2.71 — the agencies working here rate better than the state's typical. Worth knowing, because it means the local floor is higher than average, not that any single agency is a safe bet.
One distinction worth getting straight before you call anyone: those are Medicare-certified home health agencies — skilled, doctor-ordered, intermittent care, usually a nurse or therapist visiting for a few weeks after a hospital stay. That is not the same as the hourly, non-medical help most families are actually looking for: bathing, dressing, meals, driving, company. Medicare pays for the first. It does not pay for the second.
The alternative, locally
There is no Medicare- or Medicaid-certified nursing home in Broadwater County. The closest certified facilities are just over the line in Lewis and Clark County, which has 2.
That changes the arithmetic. In a county with no facility, "moving Mom somewhere" means moving her out of the community she has lived in — away from her church, her neighbors, and the daughter who checks on her on the way home from work. Care at home here isn't only the preference. It is often the only option that keeps a family in the same place.
The Montana programs that pay for care at home
- Big Sky Waiver
- Community First Choice / Personal Care Services
Montana runs 2 Medicaid pathways that pay for care at home instead of a nursing home. Each has its own income, asset, and care-need rules, and approval takes weeks to months — so the application is worth starting before the need becomes urgent.
How each Montana program works →Caregiver training in MT
91 hrs
Minimum for certified aides — above the 75-hour federal floor. MT does not license non-medical agencies, so vet carefully.
Choosing an agency in Broadwater County
- Vet twice as hard. Montana does not license non-medical home care agencies, which means anyone can hang a shingle. Ask who runs background checks, whether caregivers are W-2 employees or contractors, whether the agency carries liability and workers' comp, and who supervises the caregiver you'd get.
- Ask what the rate covers. Around $38/hr is typical in Montana. A real agency's rate covers a trained, background-checked, insured caregiver plus supervision and backup staffing when your regular person is sick. A rate well under the local range usually means one of those is missing.
- Start the clock early. Broadwater County is served by 5 certified agencies, so the honest answer to "when can you start?" is often two to three weeks. If you're planning around a discharge date, call before the discharge, not after.
- Ask about Medicaid now, not later. If money is going to be the constraint, ask about Big Sky Waiver at the first call. Approval takes weeks to months, and private pay is what bridges the gap — so the sooner the application starts, the smaller that bridge is.
Want to talk it through?
We provide care in the Milwaukee, WI area — but we’re glad to help any family think through the options in Broadwater County.
Broadwater County home care questions, answered
How much does home care cost in Broadwater County, MT?
Agency home care in Montana runs around $38/hr for private pay. At 20 hours a week that is about $3,300 a month. For context, median household income in Broadwater County is $67,927. Rates move with the level of care and the schedule — short daily visits cost more per hour than long shifts.
Does Medicare pay for home care in Broadwater County?
Medicare pays for skilled home health — a nurse or therapist, doctor-ordered, for a limited stretch, usually after a hospital stay. 5 Medicare-certified agencies serve Broadwater County. Medicare does not pay for the hourly, non-medical help most families want — bathing, dressing, meals, driving, company. For that, the money comes from private pay, long-term care insurance, VA benefits, or Montana Medicaid.
Does Medicaid pay for home care in Broadwater County?
Yes — for people who qualify. Montana runs Medicaid programs that pay for care at home instead of a nursing home: Big Sky Waiver, Community First Choice / Personal Care Services. Income, asset, and care-need rules apply, and approval usually takes weeks to months, so apply before you need it.
How are caregivers trained and vetted in Montana?
Certified home health aides in Montana complete at least 91 hours of training — above the 75-hour federal minimum. Montana does not license non-medical home care agencies, so the vetting falls to you: ask about background checks, insurance and bonding, and who supervises the caregivers.
Are there nursing homes in Broadwater County?
No — there is no certified nursing home in Broadwater County. Families here who need facility care have to look to a neighboring county, which is part of why home care matters more in places like this than the brochures suggest.
Does Juniper at Home provide caregivers in Broadwater County?
Not directly — our own caregivers serve the Milwaukee area of Wisconsin. This page is a free guide for Broadwater County families: what care really costs here, who provides it, and which programs can help pay.
Bordering counties in Montana