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

McKinney is a retirement-friendly city that ranks 135th out of 302 on the Caring.com 2022 Senior Living Report. It offers high access to health care with approximately 93 doctors per 100,000 people, about 15% higher than the national average, and it’s home to high-performing medical facilities such as Medical City McKinney, a 285-bed acute care hospital. A low crime rate provides peace of mind for seniors who live alone, and the high percentage of homes with zero-step entrances promotes comfort and convenience. Home care costs, which cover services such as companionship and housekeeping, are competitive compared to the state rate at $4,767. Home health care has the same monthly rate despite including skilled nursing services.

Below we’ve compiled a comprehensive directory of every home care provider in the McKinney area – complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

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Home Care Agencies in Mckinney, TX

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Paying for Home Care in McKinney, TX

The Cost of Home Care in McKinney, TX

Home care rates in McKinney are moderate, according to long-term care cost data in the Genworth 2021 Cost of Care Survey. Seniors in this city pay an estimated $4,767 per month, which is higher than the state median of $4,576 but competitive compared to the national rate of $4,957. In nearby Dallas, monthly rates are a little higher at $4,862, but in Tyler, costs are considerably lower at $4,376. Wichita Falls and Longview have some of the most economical home care rates in the state at $4,029 and $3,813, respectively. 

McKinney

$4,767

Texas

$4,576

The United States

$4,957

Wichita Falls

$4,029

Dallas

$4,862

Tyler

$4,376

Longview

$3,813

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

Home care agencies in McKinney charge $4,767 per month for basic services such as housekeeping, meal preparation and personal care. Home health care agencies charge the same monthly rate despite providing skilled nursing services for those with medical needs. Assisted living is an affordable alternative to in-home care at $3,500 monthly, but nursing home rates are several hundred dollars higher at $5,171 for semiprivate accommodations. 

Home Care

$4,767

Home Health Care

$4,767

Assisted Living Facility

$3,500

Nursing Home Facility (semiprivate room)

$5,171

Note: Data for McKinney was unavailable, so data for the nearest city, Sherman, was used instead.

Financial Assistance for Home Care in McKinney, 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 McKinney, TX

While home care costs can be high, seniors with limited resources may have access to subsidized programs and services in their community. The following table highlights resources in the region that may help older adults obtain affordable in-home care, which may enable them to continue living in their own homes.

ResourceContactService
North Central Texas Area Agency on Aging(800) 272-3921The AAA administers Home By Choice, a program that provides case management to help those in skilled nursing facilities to move back to their own homes. The agency also provides benefits counseling to help seniors identify ways to pay for in-home care, and it operates transportation and nutrition services.
Collin County Veteran Services(972) 881-3060The county's Veteran Services office assists older veterans in the McKinney region to apply for state and federal benefits such as Aid and Attendance, the veterans’ home care program, tax exemptions and financial assistance. It can also provide referrals for community-based services such as medical equipment loans and nutrition services.
McKinney Senior Recreation Center(972) 547-7491McKinney's Senior Recreation Center provides a range of wellness and support services to help older adults remain independent. Through the center, members get referrals for Tel-Assistance, which provides financial assistance for telephone bills, as well as low-cost health and wellness services through the health department and caregiver counseling services.
Meals on Wheels Collin County(972) 562-6996The local Meals on Wheels program provides free home-delivered meals to housebound individuals aged 60 and over in McKinney. The organization also serves free congregate meals daily at the local senior center for those able to obtain transportation. Seniors don’t have to be senior center members to enjoy meals.
Community Services Division(972) 547-7572The Community Services Division connects older adults in McKinney with community-based services such as financial assistance, health care benefits, housing and transportation, which may enable some seniors to remain in their own homes.

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.

Download
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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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

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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