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The 10 Best Home Care Agencies for Seniors in Tulsa, OK for 2024

Tulsa, OK, made the best places to retire list in Caring’s 2024 Senior Living report, thanks partly to the city’s lower-than-average cost of living, including substantially lower housing costs than the national average. Tulsa is a diverse city with multiple attractions, including several that offer seniors discounted admission. As the second-largest city in the state, seniors in Tulsa benefit from a much higher concentration of doctors and two award-winning local hospitals. Saint Francis Hospital is Tulsa’s premier hospital and offers numerous senior-specific services, while Ascension St. John Medical Center delivers specialty and 24/7 emergency care. Seniors seeking care at home pay an average of $4,767 for in-home care services. In-home care differs from home health in that it doesn’t include medical services.

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

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Paying for Home Care in Tulsa, OK

The Cost of Home Care in Tulsa, OK

According to the 2022 Genworth Cost of Care Survey, Tulsa’s average monthly home care cost is $4,767, lower than the state average by almost $100 and the national average by nearly $200. Compared to other cities in the state, Tulsa’s average is lower than Enid’s, which mirrors the state average, and Oklahoma City’s, which reflects the national average. However, its cost is higher than Lawton’s average of $3,813 per month. 

Tulsa

$4,767

Oklahoma

$4,862

United States

$4,957

Lawton

$3,813

Enid

$4,862

Oklahoma City

$4,957

The Cost of Home Care vs. Other Senior Care Options in Tulsa, OK

Home care covers personal care, such as bathing and grooming, and includes household tasks, such as light housekeeping and preparing meals. It doesn’t involve medical services generally provided by registered nurses or therapists, which comes with home health services. Despite this major difference, both types of in-home care cost the same in Tulsa at $4,767 monthly. Seniors seeking care in a residential setting pay less for assisted living, averaging $3,855, but more for nursing home care, at $5,323 for a semiprivate room. Adult day health care is significantly less than home care at only $1,517, but it provides limited services outside the home. 

Home Care

$4,767

Home Health Care

$4,767

Adult Day Health Care

$1,517

Assisted Living

$3,855

Nursing Home Care (semiprivate room)

$5,323

Financial Assistance for Home Care in Tulsa, OK

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 Tulsa, OK

Tulsa has several nonprofit or government entities offering various programs to help seniors who choose to age in place remain living independently in their homes safely instead of moving to a residential care home. Services run the gamut from financial assistance through property taxes and energy efficiency to at-home services, such as meal deliveries and respite care. 

ResourceContactService
Senior Property Tax Exemption(918) 596-5100Property owners aged 65 or older throughout Tulsa County who meet income limits and qualify for a Homestead Exemption may receive the Senior Valuation Limitation. This program freezes the Taxable Fair Cash Value of their property. Qualified seniors may also claim the county’s Additional Homestead Exemption.
LIFE Senior Services(918) 664-9000LIFE Senior Services promotes independence for seniors by offering home and community-based services that promote healthy aging-in-place. The program also provides services and support to family caregivers and helps seniors understand their long-term care options.
Low Income Home Energy Assistance Program(405) 522-5050LIHEAP is a federally funded program administered by Oklahoma Human Services. The program helps cover the costs of heating in the winter and cooling in the summer. It also includes the Energy Crisis Assistance Program. Households with seniors, disabled persons or children may be given preference.
Meals on Wheels Metro Tulsa(918) 627-4105Meals on Wheels Metro Tulsa uses volunteers to deliver meals to seniors who find meal preparation difficult. Meal delivery drivers also perform wellness checks while dropping off food to ensure participants’ ongoing good health. This program also includes minor home repairs and supporting championship animals.
Weatherization Assistance Program(800) 879-6552The Oklahoma Department of Commerce offers eligible households weatherization services. These services come at no cost and help lower utility bills by increasing energy efficiency. Weatherization also improves health and safety. Households with seniors aged 60 or older, disabled individuals or children receive prioritization.

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

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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