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

After researching 70+ diverse factors key to seniors’ well-being for its 2022 Senior Living report, Caring’s investigators determined Allen the 7th best Texan city for older citizens. Factors included an above-average number of primary care physicians and highly regarded medical facilities, such as the PAM Health Rehabilitation Hospital of Allen. The typical cost for home care was a contributing factor, as supported by the 2021 Genworth Cost of Care Survey, which found Allen’s seniors pay $4,862 per month, a fee below the national average, although above the norm for Texas. Home care — a non-medical service —  shouldn’t be confused with home health care, which specializes in medical support within the home.

Below we’ve compiled a comprehensive directory of every home care provider in the Allen 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.

The 2021 Genworth Cost of Care Survey revealed Allen’s home care costs of $4,862 to be below the national average of $4,957 but at the higher end of the scale for Texas ($4,576). The city’s seniors pay more than in some other nearby cities, such as Sherman ($4,767), Tyler ($4,376) and Waco ($4,668). However, when compared to large metro areas in the state, such as Austin ($5,196), Allen’s costs are competitive.

Despite home care and home health care agencies offering different services, non-medical and medical, respectively, each averages the same monthly fee of $4,862. Both are often costlier than assisted living facilities, which typically charge $4,195. Adult day health care centers offer the lowest average fees, at $1,517, while nursing homes are the most expensive, typically charging $5,627 for a semiprivate room.

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.