The 10 Best Home Care Agencies for Seniors in Irving, 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 Irving, TX, residents and their loved ones rate In Home Care agencies 4.6 out of 5 stars across the 94 options below.

Based on data in the Genworth 2021 Cost of Care Survey, seniors in Irving expect to pay about $4,862 monthly for in-home care. Although this is about $300 higher than the Texas norm, it’s competitive compared to the national average of $4,957. Even so, rates in nearby cities trend lower than in Irving, with rates in Sherman averaging $4,767 and seniors in Waco paying $4,668 for care. In Tyler, seniors pay about $500 less for services than home care clients in Irving, and in Wichita Falls, care costs are about $800 lower than Irving’s average monthly rate.

In Irving, home care agencies charge $4,862 monthly for nonmedical services, making this among the costlier senior care options in the city. Seniors in assisted living pay $670 less for care, and those who attend adult day health care pay even lower monthly rates of $1,517. Home health care, which includes skilled nursing along with personal care services, is available for the same monthly rate as home care, and seniors in nursing homes pay higher rates of $5,627 for medical support.

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.