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

Waco, Texas, is among the most favorable cities in the nation for retirees, earning it a place in the Caring.com 2022 Senior Living Report. Of the 302 ranked cities, Waco is in 54th place in the Affordability category for its economically priced housing options, benefiting seniors with fixed incomes. The city also offers easy-to-use public transportation options, the majority of which are ADA-accessible, and it’s home to top hospitals, such as Baylor Scott & White Medical Center – Hillcrest. On average, seniors in Waco pay $4,668 per month for home care, which is well below the national median. Home health care, which includes skilled nursing services that home care doesn’t offer, has the same monthly rate.

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

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Home Care Agencies in Waco, TX

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Paying for Home Care in Waco, TX

The Cost of Home Care in Waco, TX

The Genworth 2021 Cost of Care Survey shows that Waco is a moderately priced option for home care, with seniors paying $4,668 per month for services. This is about $100 higher than the Texas average of $4,576, but it’s economical compared to the national norm of $4,957. Rates in Dallas are about $200 higher at $4,862, and in Austin, fees exceed the national median at $5,196. In Killeen and Tyler, respective care costs are more affordable at $4,477 and $4,376. 

Waco

$4,668

Texas

$4,576

The United States

$4,957

Dallas

$4,862

Killeen

$4,477

Austin

$5,196

Tyler

$4,376

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

Home care and home health care agencies in Waco charge $4,668 per month for services, making home-based services the costliest local long-term care option. Nursing homes charge $4,623 per month for shared rooms, and seniors in assisted living pay some of the lowest residential care costs in the country at $2,800. Seniors who want to live at home but obtain more affordable care may be good candidates for adult day health care, which costs approximately $975 monthly. 

Home Care

$4,668

Home Health Care

$4,668

Adult Day Health Care

$975

Assisted Living Facility

$2,800

Nursing Home Facility (semiprivate room)

$4,623

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

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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

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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