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

The city of Plano, Texas, has been ranked the fifth best city to retire by Livability in 2018, in part for its comfortable small-town feel in the outskirts of the busy Dallas-Fort Worth area. According to the 2021 Genworth Cost of Care Survey, seniors in Plano pay an average of $4,862 a month for home care services. While this level of senior care is not medical in nature, seniors in Plano do have access to superb medical care at local hospitals and medical centers, including Texas Health Plano and Baylor Scott & White Medical Center at Plano.

Below we’ve compiled a comprehensive directory of every home care provider in the Plano 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 Plano, TX

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Paying for Home Care in Plano, TX

The Cost of Home Care in Plano, TX

According to Genworth Financial’s 2021 Cost of Care Survey, home care costs in Plano average $4,862 a month. This is $286 a month more than the average cost for the state of Texas. National costs are $90 more at $4,957 a month for similar services. Plano is close to the median range of costs for Texas cities; meanwhile, costs in El Paso run as low as $3,623 a month while costs in Austin are as high as $5,196. Houston care costs are exactly in line with the state average at $4,576 a month. 

Plano

$4,862

Texas

$4,576

The United States

$4,957

Austin

$5,196

Houston

$4,576

El Paso

$3,623

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

Home care may not be the most appropriate or affordable option for every senior. At $4,862 a month, home care and home health care are somewhat more expensive than assisted living, which averages $4,195 a month. Adult day health care in Plano averages $1,517. Skilled care at a nursing home can cost up to $5,627 for a semiprivate room.

Home Care

$4,862

Home Health Care

$4,862

Adult Day Health Care

$1,517

Assisted Living Facility

$4,195

Nursing Home Facility (semiprivate room)

$5,627

Note: Data for Plano was unavailable, so data for the nearest city, Dallas, was used instead. 

Financial Assistance for Home Care in Plano, 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 Plano, TX

Several resources are available in Plano to help local seniors age in place with as much independence and comfort as possible. These local and federal programs assist with transportation, utility bill payments and home repairs, among other benefits. Contact the agencies on this table to learn more about the services they offer.

ResourceContactService
North Central Texas Area Agency on Aging(800) 272-3921The North Central Texas Area Agency on Aging helps seniors aged 60 and over find the transportation, nutrition support and caregiver assistance they need to remain independent at home. Services offered include home visits, case manager assistance and Meals On Wheels enrollment, which doubles as a daily check-in service for seniors at risk of becoming isolated. Referrals are also available for long-term care planning and legal help as well as insurance counseling and mental health support.
Texas Health and Human Services(877) 543-7669The Texas Department of Health and Human Services provides direct financial assistance to seniors and other adults with pressing financial needs. Working through the Plano office, seniors can apply for supplemental nutrition assistance, housing assistance and cash aid. Medicaid applications are processed by the department and staff intake workers provide free case management services to locate and apply for benefits that seniors are eligible for.
Texas Department of Housing and Community Affairs(972) 941-7000Texas HUD offers seniors assistance with mobility-based home modifications and ADA accessibility upgrades. Licensed local contractors can be dispatched to consult about improving access and safety in privately owned homes for eligible seniors and work can be scheduled with pre-approval of a claim. Seniors who meet the program's income and asset eligibility standards can get work done at no cost or for a reduced fee schedule.
Plano’s CARE(972) 941-7900Plano's CARE (Call Reassurance) helpline helps keep seniors in the area connected both to the community and to each other with phone check-in services and volunteer reassurance help. Volunteers offer a friendly voice, wellness checks and help to locate emergency resources if necessary. Seniors can call in as needed or regular contact by phone can be scheduled to help keep in touch. Automated calls are provided at no cost and the system can remotely contact relatives or friends if the senior needs help.

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.

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Checklist for determining the need for in-home care
Checklist for determining the need for in-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

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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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