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.

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.

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.

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.