The 3 Best Home Care Agencies for Seniors in Deming, NM for 2024

Deming is a rural and peaceful city about an hour west of Las Cruces with a population of about 14,800, of which nearly 22% are aged 65 and older. It boasts an above-average proportion of senior citizens who can take advantage of the city’s relaxed pace of life, strong sense of community and very low cost of living. Deming’s other appealing features include its museums, nearby wineries and several state parks. Mimbres Memorial Hospital is the primary medical care provider in the city, with Deming Health Center also providing quality support. Seniors at home can get limited medical care from home health care agencies, while those in need of nonmedical care, such as assistance with bathing and dressing, can call on home care agencies. According to the 2021 Genworth Cost of Care Survey, the median fee for home care in Deming is $4,195 — which saves seniors $410 per month when compared to New Mexico’s average.

Below we’ve compiled a comprehensive directory of every home care provider in Deming– 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.

According to the 2021 Genworth Cost of Care Survey, Deming’s median monthly home care fee is $4,195. Deming’s seniors save about $762 compared to the national average and about $410 compared to New Mexico’s average. The survey reveals the city is the most affordable in the state, as Albuquerque’s median is $476 higher than Deming and Farmington’s is over $1,300 higher. Santa Fe is the most expensive — more than $2,100 higher than Deming. Seniors looking for lower fees may want to consider El Paso, TX.

Except for adult day care, with a median fee of $1,950 per month, home care is the most affordable option in Deming, at $4,195. In order to benefit from assisted living, elders would have to move into a facility, which may not be appealing to everyone. Home health care includes medical services, such as those provided by a registered nurse, so fees are about $410 higher than home care. Nursing homes deliver more comprehensive care and are the most expensive option.

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.