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The 10 Best Home Care Agencies for Seniors in La Marque, 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 La Marque, TX, residents and their loved ones rate In Home Care agencies across the 25 options below.
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Paying for Home Care in La Marque, TX
The Cost of Home Care in La Marque
According to the 2021 Genworth Cost of Care Survey, La Marque’s median fee of $4,576 equals the Texas average. It’s below the country’s $4,957, so seniors relocating here might pay less depending on their state of origin. Comparisons with nearby cities find La Marque to be mostly costlier. The average fee in nearby Beaumont is $4,385, while further afield in College Station, it’s $4,429, and in Victoria, it’s $4,338. Austin is the exception, with a higher median fee of $5,196.
La Marque
$4,576
Texas
$4,576
United States
$4,957
Beaumont
$4,385
College Station
$4,429
Austin
$5,196
Victoria
$4,338
The Cost of Home Care vs. Other Senior Care Options in La Marque
Home health care is a basic medical service from licensed professionals, while home care is a nonmedical service. Both share a median monthly fee of $4,576 in La Marque. They’re costlier than assisted living by about $331 per month and adult day health care by $3,477. However, neither alternative provides similar levels of personalized care. Also, the former requires relocating and the latter, daily commuting. The costliest option is nursing home care, which typically costs $686 more per month than home care.
Home Care
$4,576
Home Health Care
$4,576
Adult Day Health Care
$1,009
Assisted Living
$4,245
Nursing Home Care (semiprivate room)
$5,262
Note: Data for La Marque was unavailable, so data for the nearest city, Houston, was used instead.
Financial Assistance for Home Care in La Marque, 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 La Marque, TX
Aging at home can be challenging, but there are many nonprofits willing to help for little to no cost. The following table includes organizations that operate in La Marque. There’s help with providing meals, preparing taxes and making homes energy efficient. Seniors needing legal help can also get expert advice, and older homeowners may qualify for property tax exemptions.
| Resource | Contact | Service |
|---|---|---|
| Meals on Wheels Galveston County | (281) 943-4688 | Meals on Wheels Galveston County provides free meals on weekdays to homebound seniors. It also delivers meals for the weekend and 7 days' worth of breakfasts. Seniors with cats or dogs can apply for the Animals program, a monthly delivery of free pet food. |
| Comprehensive Energy Assistance Program (LIHEAP) | (409) 762-8418 | CEAP is a federally funded program that helps qualifying citizens with their home energy costs. These are in the form of grants paid directly to the resident's energy supplier. The nonprofit Greater Coastal Community Action Council handles the program in La Marque. |
| Weatherization Services | (800) 621-5746 | The Greater East Texas Community Action Program (GETCAP) provides weatherization services to La Marque's homeowners and renters. An energy audit determines the scope of work authorized. This could include insulating roofs and walls, sealing sources of air intrusion/escape and replacing inefficient HVAC systems. |
| Lone Star Legal Aid | (800) 551-3712 | From its Galveston offices, Lone Star Legal Aid provides La Marque seniors with free information, advice and representation. It handles civil law cases regarding benefits and specializes in disaster relief. |
| Senior Property Tax Exemption | (866) 277-4725 | La Marque homeowners aged 65+ can apply for a property tax exemption effective from January 1 the year they turn 65. The exemption is up to $10,000 on the assessed value of their home. Surviving spouses of qualifying seniors are eligible for the exemption from age 55. |
| AARP Foundation Tax-Aide Program | Locator of Multiple Centers | Each tax season, IRS-certified volunteers trained by AARP help seniors prepare their taxes. The volunteers operate from centers where seniors can drop off their documents, or they can work with clients over the phone. Centers may change, so it's prudent to use the locator each year to find the nearest one. |
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 – often times 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.
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.
