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How Much Does Laredo In-Home Care Cost?

Where you would like to be as you age?  Would you say your home? In 2014, AARP conducted a survey, which concluded around 71 percent of seniors between ages 50 and 64 wanted to stay home as they continue aging. This percentage increased to 87 percent for those 65 and older.

There are several agencies and services to help you or your loved one stay home safely in Laredo.  You can find a full range of services for medical and household needs. Another benefit of staying at home is the cost can be much less than nursing home care.

Texas In-Home Care

The Texas Department of Aging and Disability Services (DADS) is in charge of all licenses and certifies in-home care agencies.

If you wish to view all licensed agencies or verify a license, visit the DADS website.

Texas offers in-home help for some low-income seniors that can’t afford home care and those at risk for having to go into a nursing home.

In 2016, there were more than 814,000 home health aides in the United States.

Texas is one of the largest employers of home health aides with more than 67,000.

In 2016, the average annual salary for a Texas home health aide was $20,550.

Cost and Services of a Homemaker in Laredo

In 2016, the average daily cost for homemaking services in Laredo is some of the lowest in the nation at an average rate of $56 a day. Using this average, you can figure this will run about $1,716 monthly and $20,592 annually.

What does this service offer for the money? Homemaking services help you with the chores around the house to make life easier as you age like grocery shopping, transportation to appointments, cooking, and cleaning.

Other homemaking services include assistance with:

Prescription medication reminders

Dressing assistance

Social activities and engagement including games, writing letters, and stimulating conversation

Safety checks to fix any potential hazards around the home

Pet walking and feeding

Houseplant watering

Status updates to the family on a senior’s condition both mentally and physically

Homemaking services are a great option for seniors that just need assistance with the household chores but not with their health to live independently. Another big benefit of this service is that it provides companionship to prevent loneliness for seniors at home.

Home Health Aide Services and Prices

Home health aide rates average the same as homemaker rates in Laredo at $56 daily.  If you compare these average daily costs to nursing home care costs of $149 for a semi-private room or $166 for a private room, you could save $34,000-$40,000 a year depending on the type of nursing home care you would choose.

Home health aides also assist with the same non-medical chores as homemakers but can also provide some health care monitoring such as taking blood pressure, listening to pulse, giving medications checking wounds, and walking assistance with mobility devices like wheelchairs or walkers.

Home health care agencies employ the aides, who must meet training and experience requirements determined by the state of Texas. This experience includes both classroom and hands-on clinical learning under the supervision of a registered nurse.

Home health aides are trained to recognize and prevent infection, transfer patients safely, perform emergency procedures, and help seniors get the necessary nutrition.

Do You Know How Much Care You Need?

You may need various levels of care at different times. You can work directly with an agency to find a package or customize services with a schedule that will meet your needs as they change. Below are some various options for in-home care to live at home.

Respite care is needed when your usual caregiver is unavailable, whether it is for a few hours or days. If you just started hiring home care, this would be a great trial period to try some new home health aides.

Part-time care is regularly scheduled care that is either a few hours daily or just a couple days a week.  You can use this service to help shop for groceries, prepare meals, complete laundry, clean, or provide companionship. This is an option for seniors who don’t require medical care but could use assistance to live at home.

Full-time care is regularly scheduled care for the typical 40 hours a week. This is best for seniors that need all-day companionship while family is working or overnight care to help with bathroom trips.

Live-in care provides care 24/7 for those who need constant medical attention and monitoring. These patients would most likely need nursing home care but choose to live in their home instead. There is usually more than one caregiver to divide the hours.

Starting Your Search for a Home Health Care Provider

You will need to determine whether you want to hire an agency or hire the care yourself. Agencies may cost slightly more, but you have to consider they provide additional benefits including handling taxes, paychecks, insurance, and licensing.  Agencies can also find a replacement aide quickly if there is a schedule conflict.

If you have a friend or relative that you feel would be a suitable caregiver, you can hire them. That’s a big benefit of hiring directly - you have final say in the caregiver.  However, you are in charge of taxes, withholding Social Security, and insurance.

To begin your search, ask around to see if anyone has had a pleasant (or bad experience).  Online reviews are also helpful.  Check out the Better Business Bureau website to see how the agency rates with the BBB and see if there are any complaints.

Getting the Funds to Cover These Expenses

Your long-term care insurance may pay for some or all of the costs with a home health aide if your doctor verifies your medical condition requires assistance.  If you have limited resources, you may qualify for home health services from Texas’s Medicaid Program.

Wartime veterans (and also widows) may be eligible for VA Aid & Attendance pension to pay for care. These programs may also pay your family member for care services just like any other health aide.

If you own your home, you may consider a reverse mortgage for the equity in your home.  You can also cash out a life insurance policy to get the benefit early. However, these two options carry tax and inheritance implications, so you should research these options.  It’s probably also a good idea to discuss with either your financial advisor or attorney.

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