The 10 Best Home Care Agencies for Seniors in Lubbock, 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 Lubbock, TX, residents and their loved ones rate In Home Care agencies 4.8 out of 5 stars across the 18 options below.

Monthly home care in Lubbock costs $4,576, which is $381 less than the national median and identical to the state median, according to Genworth Financial. Cities south of Lubbock have similar home care costs. Abilene’s home care rate of $4,528 is $48 less per month, and Midland’s home care rate of $4,671 is $95 more per month, compared to Lubbock’s rates. Areas north of Lubbock are less expensive — Amarillo’s home care rate of $4,052 is $525 less per month. 

Lubbock’s seniors have many choices for long-term care that can satisfy a range of living preferences and budgets. Home care and home health care both cost $4,576 per month. Unlike home care, home health care includes medical services such as physical therapy or skilled nursing. For seniors preferring community-based living, assisted living facilities cost an average of $3,950 per month. A more affordable option is adult day care, costing only $731 per month. Seniors who require skilled nursing can expect to pay $5,475 per month for a semiprivate room in a nursing home.

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.