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The 10 Best Home Care Agencies for Seniors in Katy, 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 Katy, TX, residents and their loved ones rate In Home Care agencies 5 out of 5 stars across the 100 options below.

Home Care Agencies in Katy, TX

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Paying for Home Care in Katy, TX

The Cost of Home Care in Katy, TX

According to the 2021 Genworth Cost of Care Survey, older adults in Katy pay $4,576 per month for in-home care. This is consistent with the Texas rate and several hundred dollars below the national median rate of $4,957. In Beaumont, care costs are a couple hundred dollars lower than in Katy at $4,385, and in College Station, rates are about $100 less at $4,429. In Waco, monthly fees exceed Katy’s average at $4,668, and in Texas’ capital city of Austin, rates are considerably higher at $5,196.

Katy

$4,576

Texas

$4,576

The United States

$4,957

Beaumont

$4,385

College Station

$4,429

Austin

$5,196

Waco

$4,668

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

Home care and home health care cost $4,576 per month, making it a cost-effective alternative to nursing home care, which averages $5,262. Care in a residential community is typically cheaper than home-based care, with seniors in assisted living paying $4,245 per month. Adult day health care, which provides personal care and skilled nursing in a daytime community setting, is the cheapest surveyed option locally at $1,099.

Home Care

$4,576

Home Health Care

$4,576

Adult Day Health Care

$1,099

Assisted Living Facility

$4,245

Nursing Home Facility (semiprivate room)

$5,262

Note: Data for Katy was unavailable, so data for the nearest city, Houston, was used instead. 

Financial Assistance for Home Care in Katy, 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.

Free & Low-Cost Home Care Resources in Katy, TX

Several agencies in Katy supplement the services home care agencies provide or offer low-cost alternatives. Through the following resources, you may find subsidized in-home care, volunteer-based transportation and nutrition services, which may help you continue safely living at home. The table also highlights social and recreational programs that may help those who live alone to avoid isolation. 

ResourceContactService
Area Agency on Aging (AAA)(800) 437-7396The AAA helps seniors remain in their homes by providing referrals and direct services. It contracts with local providers to offer subsidized nutrition services, transportation and in-home care. It also provides benefits counseling to help seniors determine whether they qualify for state or federal programs that may cover home care.
Meals on Wheels(713) 533-4900Meals on Wheels delivers fresh, noontime meals to older adults who are housebound in Katy. It also provides frozen weekend meals and a week’s worth of breakfasts to prevent food insecurity for those unable to shop for or prepare meals themselves. It also operates Animeals, which provides pet food.
VA Houston Regional Office(800) 698-2411The Veterans Administration operates the Houston Regional Office, which provides in-person and over-the-phone assistance to older veterans in Katy. Through this office, individuals can apply for community care and get more information on the veterans' home care program. The office can also help them submit claims for Aid and Attendance.
Katy Senior Services Department(281) 391-4837The city’s Senior Services Department operates social and recreational programs for older adults at the Fussell Senior Center. At this location, members participate in book clubs, table games, art classes and age-friendly fitness classes, which may help those who live alone to avoid loneliness.
Property Tax Postponement(281) 391-4800Katy residents aged 65 and over may be eligible to defer property taxes on their homes for as long as they own them. While this program doesn’t cancel the taxes, it postpones them, which may enable older adults to be able to afford to remain in their homes.

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 – oftentimes 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 home care
Checklist for determining the need for 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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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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