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

San Antonio may appeal to seniors in part because there is no state income tax, meaning Social Security and other retirement income aren’t taxed. The city also has a lower cost of living than the state and national averages, and it is ranked 17th out of more than 1,200 incorporated cities statewide on Caring’s 2022 Senior Living Report. Seniors benefit from access to top health facilities such as Methodist Hospital and Baptist Medical Center. According to Genworth’s 2021 Cost of Care Survey, San Antonio’s home care cost mirrors the state average and home health care costs at $4,576. Home care provides personal care but not skilled nursing services, which are included in home health care.

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

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Paying for Home Care in San Antonio, TX

The Cost of Home Care in San Antonio, TX

San Antonio’s average cost of home care is $4,576, per the 2021 Genworth Cost of Care Survey. This rate matches the state average, but it’s lower than the national average by nearly $400 per month. Average home care costs vary widely throughout the state, with San Antonio’s average much higher than Laredo’s $2,995 but only slightly more than Victoria’s $4,338. Conversely, its cost is almost $300 less than Dallas’ average of $4,862 and just over $600 lower than Austin’s price of $5,196.

Tucson

$5,434

Arizona

$5,339

The United States

$4,957

Yuma

$4,290

Phoenix

$5,958

Prescott Valley

$5,053

Flagstaff

$6,673

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

San Antonio’s least costly senior care option is adult day health care at only $856 per month. However, it requires attending programs with other participants. Home care and home health care cost the same, at $4,576. While both offer in-home care, home health care includes medical services provided by a registered nurse or therapist. Assisted living is less expensive than home care by more than $1,000, but seniors must join a residential community. Nursing home care costs the most at $5,232, but provides round-the-clock nursing care.

Home Care

$5,434

Home Health Care

$5,482

Adult Day Health Care

$2,058

Assisted Living

$4,050

Nursing Home Care (semiprivate room)

$6,601

Financial Assistance for Home Care in San Antonio, 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 San Antonio, TX

Seniors in San Antonio can find numerous programs to help them save money, improve their homes and remain independent as they age in place. These programs are offered through government entities and nonprofit agencies and include everything from home-delivered meals to property tax exemptions. 

ResourceContactService
Bexar Area Agency on Aging(866) 231-4922BAAA provides various services to seniors throughout San Antonio and Bexar County, including care coordination for those aged 60 or older, plus nutrition and transportation services. It also offers caregiver support for those caring for senior relatives.
Alamo Area Council of Governments’ Weatherization Assistance(210) 362-5282AACOG’s Weatherization Assistance program helps low-income seniors and other individuals struggling with high energy costs by installing energy conservation measures. Assistance may include installing additional insulation, weather-stripping and caulking. It may also encompass window glass repair and replacement of HVAC, space heaters, window air conditioners and gas water heaters that aren’t operating efficiently.
Texas Comptroller(210) 342-2300Homeowners aged 65 or older qualify for several property tax exemptions in San Antonio. Senior residents may apply for a $40,000 homestead exemption for school district taxes available to all homeowners, plus an additional $10,000 specifically for seniors and disabled individuals. They may also claim a $3,000 exemption for a county special tax on flood control and farm-to-market roads.
Meals on Wheel San Antonio(210) 735-5115Through a public/private partnership, MOW San Antonio provides home-delivered meals to homebound seniors. Volunteers deliver meals for breakfast, lunch and the weekend, including hot lunches and breakfast food items and/or specialty-made frozen meals. MOW also delivers pet food the third weekend of every month through its AniMeals add-on program.
Blueprint Ministries(210) 533-2761Blueprint Ministries repairs and renovates homes for seniors on low incomes, people with disabilities and veterans in San Antonio at no cost. Applicants must live within the service areas, live in the home being repaired and meet income eligibility.

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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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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