The 10 Best Home Care Agencies for Seniors in Desoto, 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 Desoto, TX, residents and their loved ones rate In Home Care agencies across the 59 options below.

Seniors in DeSoto pay approximately $4,862 per month for full-time in-home care, according to data in the Genworth 2021 Cost of Care Survey. While this is several hundred dollars over the Texas norm of $4,576, it’s about $100 below the national median. Seniors in surrounding cities typically pay more affordable rates, including Sherman, where care costs come in at $4,767, and Waco, where seniors pay $4,668 for nonmedical care. In Abilene, rates are $330 less than in DeSoto, and seniors in Tyler pay just $4,376 for services.

In DeSoto, home care agencies charge $4,862 per month for full-time nonmedical care. Home health care agencies, which provide specialized skilled nursing services along with personal care, charge the same monthly rate. While home care is more affordable than nursing home placement, which costs $5,627 monthly, other local options may provide significant savings. Assisted living, which features personal care, daily meals and recreational activities in a community residential setting, costs $4,195 per month, and those who choose adult day health care instead of home care may see a monthly savings of $3,345.

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.