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The 10 Best Home Care Agencies for Seniors in Houston, TX for 2024

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Home Care Agencies in Houston, TX

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Paying for Home Care in Houston, TX

The Cost of Home Care in Houston, TX

The average Houston home care rate of $4,576 is equal to the Texas norm and substantially lower than the national median of $4,957. Home care agencies in Houston are a couple of hundred dollars more expensive than in the nearby cities of Victoria ($4,338) and Beaumont ($4,385). Older adults in College Station pay $147 less for their in-home care than seniors in Houston. The average monthly home care rate of $5,196 in Austin is significantly higher than in Houston.

Houston

$4,576

Texas

$4,576

The United States

$4,957

College Station

$4,429

Austin

$5,196

Victoria

$4,338

Beaumont

$4,385

The Cost of Home Care vs. Other Senior Care Options in Houston, TX

Home and home health care agencies provide similar services, such as housekeeping and personal grooming, with the latter also offering limited medical care delivered by registered nurses or therapists. However, the average fees for both services are identical at $4,290 per month. Adult day health services in local centers are the most affordable, at $1,138, while assisted living is the least costly option that Houston seniors pay the same average rate of $4,576 for home care and in-home health care. However, home health aides are usually trained to also provide medical monitoring services along with personal care services. Adult day health care is the cheapest senior care option in the city, at a median cost of $1,099. Older Houston residents can also opt for residential care in an assisted living facility, at an average cost of $4,245. Nursing home care is the most expensive in the area, at $5,262  per month.

Home Care

$4,576

Home Health Care

$4,576

Adult Day Health Care

$1,099

Assisted Living

$4,245

Nursing Home Care (semiprivate room)

$5,262

Financial Assistance for Home Care in Houston, TX

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

  • Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
  • Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
  • Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
  • Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
  • Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Free & Low-Cost Home Care Resources in Houston, TX

Houston’s seniors can access numerous programs aimed at helping them age safely and comfortably within their own homes. The following list includes samples of what’s available in Harris County and Texas. They can help seniors struggling with some daily tasks get fresh meals daily, others facing excessive energy costs reduce their bills and those who own their homes benefit from some tax exemptions.

ResourceContactService
Houston Health Department Senior Services(832) 393-4301Houston Health Department Senior Services is the local area agency on aging for seniors in the city. Older adults can get in touch with the resource center for benefits counseling, health promotion services and home-delivered meals. The agency can also help seniors locate other local programs they might benefit from via its information and assistance line.
City of Houston Home Repair Program (832) 394-6200 For seniors aged 62 or older, the Home Repair Program can cover the cost of minor home improvement projects. Eligibility for assistance is based on income. In some cases, the city might pay for a full rebuild of the applicant’s house.
Weatherization Assistance Program211 The Weatherization Assistance Program is a free, federally funded initiative to help low-income people reduce their energy spending. Seniors eligible for weatherization may benefit from home repairs including wall insulation and installation of energy-efficient appliances.
Utility Assistance Program(713) 590-2327Low-income seniors in Houston can receive help with the cost of their gas, water and electricity bills with this program. The Utility Assistance Program gets funding from the federal government and it’s delivered locally by BakerRipley.
YWCA Houston Meals on Wheels(832) 504-6324 YWCA Houston is one of the largest Meals on Wheels providers in the city. Seniors aged 60 and above can request food delivery if they’re homebound, or join their nearest congregate meal sites. The nonprofit delivers to over 300,000 eligible older adults in Houston.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.  

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Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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