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

Temple is a small community in Texas located between Dallas and Austin. Of the city’s 85,416 residents, 14.8% are aged 65 or older. That’s lower than the national average of 16.8% but higher than the Texas average of 13.1%. Local seniors enjoy easy interstate access and a cost of living that’s more than 20% lower than the United States average. Most homes in Temple sit a short drive from the Baylor Scott & White Continuing Care Hospital, Everest Rehabilitation Hospital and Olin E. Teague Veterans’ Center. For Temple seniors who need home care services such as personal care and transportation, costs average $4,477 per month according to the Genworth 2021 Cost of Care Survey.

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

Seniors in Temple pay an average of $4,477 for home care, according to findings from the 2021 Genworth Cost of Care Survey. This is about $99 per month less than the Texas average and $480 less than the national monthly average. In fact, only College Station offers a better bargain with costs of $4,429 per month. In Austin, seniors pay $5,196, or $719 more per month; in Waco, monthly fees are $191 higher.

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Home Care Agencies in Temple, TX

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Paying for Home Care in Temple, TX

The Cost of Home Care in Temple, TX

Seniors in Temple pay an average of $4,477 for home care, according to findings from the 2021 Genworth Cost of Care Survey. This is about $99 per month less than the Texas average and $480 less than the national monthly average. In fact, only College Station offers a better bargain with costs of $4,429 per month. In Austin, seniors pay $5,196, or $719 more per month; in Waco, monthly fees are $191 higher.

Temple

$4,477

Texas

$4,576

The United States

$4,957

Waco

$4,668

Austin

$5,196

College Station

$4,429

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

Home care is only one of the options available to seniors in Temple. For people who need in-home medical services from registered nurses or licensed physical therapists, the costs are similar; home health care is about $4,477 per month. Assisted living facilities in Temple are slightly more affordable at $4,217 per month. Seniors who want to live full-time in a nursing home can expect to pay $5,247 a month — $770 more than home care or home health care.

Home Care

$4,477

Home Health Care

$4,477

Assisted Living

$4,217

Nursing Home Care (semiprivate room)

$5,247

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

Financial Assistance for Home Care in Temple, 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 Temple, TX

State and local government agencies offer a variety of free services to benefit seniors in Temple. Contact the organizations directly to find out about application procedures and current eligibility requirements.

ResourceContactService
Home Repair Program(254) 298-5999The Home Repair Program, which is run by the Temple Housing Resources Center, is open to low-income and moderate-income homeowners. The funds are designed to pay for repairs that affect health and safety; the city runs the program as a way to maintain and revitalize neighborhoods. To participate, applicants must be up-to-date on property taxes and city fees.
65 or Older Tax Deferral(254) 771-1108Temple allows homeowners aged 65 or older to defer property taxes as long as they live in the home. The taxes become due if the homeowner sells the house or passes it to the estate or heirs.
Weatherization Assistance Program(877) 541-7905The Texas Department of Housing and Community Affairs administers the Weatherization Assistance Program, which helps low-income residents install weatherization materials to reduce utility costs. Funding is funneled through local organizations. Temple residents can find assistance through the Texas Information and referral Network (2-1-1 Texas).
Area Agency on Aging of Central Texas (AAACT)(254) 770-2330The AAACT provides a range of services for seniors in central Texas, including community wellness programs, nutrition training and meal services. Low-income seniors can also benefit from the AAACT's short-term and long-term care programs.

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 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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