The Best Home Care Agencies for Seniors in Tulsa, OK for 2025

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. 

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. 

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.