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

Last Updated: June 5, 2024 - Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Harker Heights, TX, residents and their loved ones rate In Home Care agencies 5 out of 5 stars across the 17 options below.

Home Care Agencies in Harker Heights, TX

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Paying for Home Care in Harker Heights, TX

The Cost of Home Care in Harker Heights, TX

According to the 2021 Genworth Cost of Care Survey, Harker Heights’ prices are roughly $100 cheaper than the Texas monthly average and roughly $500 cheaper than the national average. Texas’ larger and more central cities tend to have higher prices for home care, with the highest ones found in Austin. In Dallas, prices are almost $400 higher than in Harker Heights. Texas’ home care costs are at their lowest in the state’s southern portion, where residents of Laredo and Brownsville see prices that are $1,500 to $1,600 cheaper than those of Harker Heights.

Harker Heights

$4,477

Texas

$4,576

United States

$4,957

Austin

$5,196

Dallas

$4,862

Brownsville

$2,860

Loredo

$2,955

The Cost of Home Care vs. Other Senior Care Options in Harker Heights, TX

Home care in Harker Heights costs roughly the same as home health care, which provides additional clinical assistance. Assisted living is about $250 cheaper than home care on a monthly basis, but requires relocation to a facility. Nursing home care provides the most comprehensive medical support, but is about $750 more expensive than home care per month.

Home Care

$4,477

Home Health Care

$4,477

Assisted Living Facility

$4,217

Nursing Home Facility (semiprivate room)

$5,247

Note: Data for Harker Heights was unavailable, so data for the nearest city, Killeen, was used instead.

Financial Assistance for Home Care in Harker Heights, 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.

Harker Heights Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Harker Heights:

ResourceContactAddressService
Texas Weatherization Assistance Program (WAP)(512) 475-3800221 E. 11th St., Austin, TX 78701The Texas Department of Housing and Community Affairs operates the Weatherization Assistance Program for the entire state. Residents in Harker Heights and communities across Texas may sign up. Certain eligibility requirements are in place, and the program gives preference to elderly adults 60 or older and families with disabled individuals in the household. Texas residents who are receiving assistance through Means Tested Veteran programs or Supplemental Security Income gain automatic entry into this program. Beyond this, the Texas WAP is also open to households that have an annual pretax income of less than $19,320 per person per household.
Area Agency on Aging of Central Texas (AAACT)(800) 447-71692180 N. Main St., Belton, Texas 76513The Area Agency on Aging of Central Texas offers a wide range of information, coordination and referral services for the elderly in an area that includes the city of Harker Heights. The AAACT’s support for elders also includes direct assistance services, such as the organization’s short-term care program, which helps seniors 60 or older stay in their homes. It coordinates care for those who have suffered a health crisis recently or are impaired in other ways and are also dealing with economic or social difficulties. The AAACT offers assorted support services for seniors. A notable example being its nutrition program, which includes both group and home-delivered meals for seniors.
State Health Insurance Program of Texas (SHIP)(254) 770-23302180 N. Main St., Belton, Texas 76513The State Health Insurance Program for Texas is run by Area Agencies on Aging in each region of the state. In the case of Harker Heights, this would be the AAACT. Through local SHIP offices, this statewide program gives elderly residents of Texas access to free individual counseling sessions with state-certified benefits counselors. These advisers guide seniors and their caregivers on their right to Medicare and other state or federal benefits. They also help elderly adults and their families apply for available benefit programs, such as the Low Income Subsidy or Medicare Savings Program.

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 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.

Download
Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs
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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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