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The 10 Best Home Care Agencies for Seniors in Waco, TX for 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 Waco, TX, residents and their loved ones rate In Home Care agencies 4.8 out of 5 stars across the 18 options below.

Home Care Services in Waco, Texas

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Paying for Home Care in Waco, TX

The Cost of Home Care in Waco, TX

Waco seniors who arrange private in-home care pay around $4,576 per month, according to the 2024 Genworth Cost of Care Survey. Although this cost is higher than the Texas median of $4,290, it falls about $1,140 below the national norm. While some cities have lower monthly fees, including Tyler, where residents pay approximately $4,195, rates in Waco compare favorably to most nearby communities. In Austin, for example, rates exceed the local norm by around $1,525.

Waco

$4,576

Texas

$4,290

United States

$5,720

College Station

$4,957

Austin

$6,101

Tyler

$4,195

Dallas

$5,339

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

Seniors in Waco pay approximately $4,576 per month for non medical in-home care. This option costs much less than home health care, which features skilled nursing services for around $13,347. Home care rates also compare favorably to assisted living, which costs about $5,501 and includes personal care and meals in a residential environment.

Home Care

$4,576

Home Health Care

$13,347

Assisted Living Facility

$5,501

Nursing Home Care (semi-private room)

$4,867

Financial Assistance for Home Care in Waco, 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 Waco, TX

Seniors in Waco can supplement paid home care services through numerous nonprofit agencies and programs, including Meals on Wheels and the Area Agency on Aging. The city also has organizations that provide referrals and options counseling to help older adults find their best options for paying for care at home. The following table highlights top resources for seniors in the Waco region.

ResourceContactService
Meals on Wheels(254) 752-0316Meals on Wheels provides home-delivered meals for housebound seniors aged 60 and over, helping them maintain their health and independence. The agency also offers curb-to-curb transportation, a Groceries-To-Go, which provides monthly supplementary groceries, and a pet program that pays for food and veterinary care for the pets of program participants.
Heart of Texas Area Agency on Aging(254) 292-1800The Area Agency on Aging provides services to those aged 60 and over to support their safety and independence. It has options counselors who help individuals evaluate their needs and identify ways to cover in-home care costs. The organization also offers the Care Coordination Program and Caregiver Education and Training Program.
Veterans One Stop(254) 297-7171Veterans One Stop is a nonprofit organization that offers a one-stop-shop model for area veterans, helping them connect with the services and benefits they’re entitled to from the state and federal VA. It can help individuals determine whether they qualify for Aid and Attendance and the veterans' home care program.
Economic Opportunities Advancement Corporation(254) 753-0331EOAC is the Community Action Agency for the Waco region, meaning that it administers a range of programs for those with limited incomes. Through this nonprofit organization, seniors can apply for the Comprehensive Energy Assistance Program, the Low-Income Household Water Assistance Program and the McLennan County Emergency Rental Assistance Program.
Property Tax Exemption(254) 757-2666Those aged 65 and over may be able to reduce their property tax burden through the Age 65 Or Older and Disabled Exemptions. These exemptions include the $40,000 exemption available to all homeowners along with an additional $10,000 for seniors. To learn more, seniors must contact their county assessor’s office

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 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
Guidelines for Talking About In-Home Care
Guidelines for Talking About In-Home Care

Frequently Asked Questions

Reviews of Care Providers Nearby

Home Care

Linda D_37

I am a current client of this provider

Review of Right at Home Central Texas

It makes my life a little easier since they come in and do what they do. I like that they communicate well.

Read more

Home Care

Sandra R_32

I am a current client of this provider

Review of Right at Home Central Texas

They check on me continuously. I like the way they see what needs to be done.

Read more

Home Care

Sandra W_32

I am a current client of this provider

Review of Right at Home Central Texas

My mom has been a challenge. They've done the best they could with the talent pool they selected from. Spencer does above average with his visits.

Read more

In Home Care near Waco, TX

WoodwayHewittElm MottRossLorenaChina Spring

Other Options in Waco, TX

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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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