The Best Home Care Agencies for Seniors in Pflugerville, TX for 2025

While home care in Pflugerville is slightly higher than the national average by about $200, it is still less than the Texas average by about $400, making it a great place to search for in-home care. Its southern neighbors of San Antonio, Houston, and Victoria offer more affordable in-home care options. The same can be said of its northern neighbor Dallas, where in-home care is slightly less by $300. In-home care is designed to help seniors who do not require medical assistance but could use help with daily activities and basic home maintenance tasks. The lowered costs of in-home care versus home health care are usually attractive to seniors. 

The costs of home care and home health care, which includes light medical services, are the same in Pflugerville — making both excellent options for seniors to age gracefully within their home. Adult day care is noticeably more affordable by almost $4,000. Still, suitability depends on the level of medical care needed and transportation is required. Assisted living is slightly more expensive in Pflugerville by about $200, while nursing home care is approximately $700 more. 

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.