The 10 Best Home Care Agencies for Seniors in Galveston, 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 Galveston, TX, residents and their loved ones rate In Home Care agencies 4.9 out of 5 stars across the 30 options below.

Galveston seniors can expect to pay roughly $4,576 per month for in-home care, which is on par with the statewide average as well as San Antonio. It's also similar to the national average cost, which is $381 per month higher. Costs vary widely in nearby cities. For example, Austin is $620 per month more expensive, while Corpus Christi is $953 per month cheaper. 

Though the services offered are different, both home care and home health care costs are the same in the Galveston area at $4,576 per month. Seniors who don't mind spending time out of their homes can save $3,477 per month by using adult day health care, which could be a good option for those who have live-in caregivers who work during the day. Assisted living is also cheaper than home care at $331 less per month. Nursing home care takes the most expensive spot with a semiprivate room costing $686 more per month than in-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 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.