Home care · McCone County, MT
Home care in McCone County
One in three residents of McCone County is 65 or older — about 512 people. In a county that age-heavy, the question is rarely whether a family will need help at home. It is when, and who.
Below is what we'd tell a friend in McCone County: what care costs here, who provides it, what the facility alternative actually looks like, and which programs pay.
McCone County, in numbers
Full Montana guide →Residents 65+
512
29.3% of the county — the ninth-highest share of Montana's 56 counties.
Live with a disability
13.5%
About 233 people — the population most likely to need help at home.
Median household income
$59,086
20 hrs/week of care would run about 67% of it.
Certified agencies
1
Medicare-certified home health agencies serving local ZIPs.
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 McCone 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 McCone County is $59,086, so that schedule would consume about 67% of a typical household's entire income. This is the number that sends most families looking for help paying, and it is why the programs below matter more than any brochure.
Who provides care in McCone County
1 Medicare-certified home health agency serves ZIP codes in McCone County. One reports offering home health aide services.
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 McCone County. The closest certified facilities are just over the line in Dawson 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 McCone 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. McCone County is served by 1 certified agency, 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 McCone County.
McCone County home care questions, answered
How much does home care cost in McCone 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 McCone County is $59,086. 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 McCone County?
Medicare pays for skilled home health — a nurse or therapist, doctor-ordered, for a limited stretch, usually after a hospital stay. 1 Medicare-certified agency serves McCone 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 McCone 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 McCone County?
No — there is no certified nursing home in McCone 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 McCone County?
Not directly — our own caregivers serve the Milwaukee area of Wisconsin. This page is a free guide for McCone County families: what care really costs here, who provides it, and which programs can help pay.
Bordering counties in Montana