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

Valley View is in Cooke County, Texas. The county has an above-average senior population, with 19.2% of its residents being aged 65 or over, compared to just 16.8% nationwide. Valley View has a relatively low cost of living, even compared to other parts of Texas, and also has low crime rates. According to Genworth’s 2021 Cost of Care Survey, home care fees in Valley View average just $4,767 per month. Home health care services, which provide similar personal care assistance as home care providers, plus wound care and other basic nursing support, charge similar fees. Seniors living in the area can also access quality medical care via the North Texas Medical Center, a general medical and surgical facility located in nearby Gainesville.

Below we’ve compiled a comprehensive directory of every home care provider in Valley View– 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 Genworth 2021 Cost of Care Survey puts Valley View home care fees at $4,767 per month. This is $191 more expensive than the Texas average, but is about $200 less than the United States average. Seniors to the south in Corpus Christi and to the west in El Paso both pay about $1,500 less than those in Valley View. Fees in Dallas are $95 per month more and seniors in Austin pay much higher fees, averaging over $400 more per month than Valley View.

In addition to home care and home health care services, which have similar fees in Valley View, seniors can opt to receive support at an assisted living facility, for a potential cost saving of $1,267 per month. Though home care and home health care are similarly priced, home health care offers additional medical services. Nursing home care is also an option, with a semiprivate room in a nursing facility that has 24-hour care costing just $401 a month more than home care.

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.