How to Pay for In-Home Care
How to Pay for Home Care in Texas
Jump to a state to see its Medicaid programs, waivers, and other ways to help pay for in-home care.
This directory lists Texas-specific and federal payment sources that can pay for, reimburse, offset, or help plan for home care. Some are direct payment sources; others are indirect supports that reduce the amount of private home care a family must buy. Texas's strongest state-specific pathways include STAR+PLUS HCBS, STAR+PLUS Personal Assistance Services, and other Medicaid managed-care LTSS options, and VA benefits are broken out because they can be one of the strongest payment pathways for eligible Texas veterans and surviving spouses.
Updated August 2026
Reviewed by Valerie VanBooven, RN, BSN
Texas Medicaid / LTSS
STAR+PLUS HCBS
Direct home-care payerHelps pay for: Can authorize home- and community-based long-term services as an alternative to nursing-facility care, based on assessment and service plan.
Who qualifies: Medicaid financial eligibility plus nursing-facility level-of-care/medical-necessity rules and an unmet need for an HCBS service. Interest-list or upgrade rules may apply.
How to start: Contact Texas HHS/ADRC or the STAR+PLUS managed care organization.
Good to know: Family caregiver payment: Sometimes.
STAR+PLUS Personal Assistance Services
Direct home-care payerHelps pay for: Pays for help with ADLs/IADLs such as bathing, dressing, toileting, transfers, meals and household tasks when authorized.
Who qualifies: Must be enrolled/eligible for applicable STAR+PLUS services and have assessed need.
How to start: Ask the STAR+PLUS MCO for LTSS/service coordination and a personal-assistance assessment.
Good to know: Family caregiver payment: Sometimes.
STAR+PLUS Respite
Direct home-care payerHelps pay for: Can pay for short-term relief for an unpaid caregiver when included in the approved HCBS service plan.
Who qualifies: Requires STAR+PLUS HCBS eligibility and plan authorization.
How to start: Ask the MCO service coordinator whether respite is available under the individual service plan.
Good to know: Family caregiver payment: No direct cash.
STAR+PLUS Nursing / Therapy at Home
Direct home-care payerHelps pay for: Can cover skilled nursing and certain therapies when included in the HCBS service array and medically/functionally necessary.
Who qualifies: Requires program eligibility and authorization.
How to start: Ask the MCO service coordinator to assess skilled needs.
Good to know: Family caregiver payment: No.
STAR+PLUS Home-Delivered Meals / Supports
PartialHelps pay for: Certain home/community supports may be included when authorized under the HCBS plan.
Who qualifies: Service availability depends on assessed need and the service plan.
How to start: Ask the MCO about the current STAR+PLUS HCBS service array.
Good to know: Family caregiver payment: No.
Texas Medicaid / Self-Direction
Consumer Directed Services (CDS)
Direct home-care payerHelps pay for: Lets eligible participants act as employer for certain attendants, set wages/benefits within the authorized budget, and use an FMSA for payroll/taxes.
Who qualifies: Available for specified services/programs; relative/spouse restrictions vary by service.
How to start: Tell the caseworker or MCO you want the CDS option and select a Financial Management Services Agency.
Good to know: Family caregiver payment: Yes, subject to rules.
Service Responsibility Option (SRO)
Direct home-care payerHelps pay for: Hybrid delivery model that gives the member more responsibility for selecting/managing workers while an agency remains the employer.
Who qualifies: Available for certain STAR+PLUS services.
How to start: Ask the MCO to explain SRO versus Agency Option and CDS.
Good to know: Family caregiver payment: Potentially.
Consumer Managed Personal Attendant Services (CMPAS)
Direct home-care payerHelps pay for: A self-directed personal-attendant model in which the recipient manages attendants to a greater degree.
Who qualifies: Program-specific eligibility and service authorization apply.
How to start: Ask Texas HHS whether CMPAS is available and appropriate for the applicant.
Good to know: Family caregiver payment: Potentially.
Texas Medicaid / State Plan
Community First Choice (CFC) Personal Assistance/Habilitation
Direct home-care payerHelps pay for: Provides personal assistance/habilitation for eligible Medicaid members who meet CFC requirements and need help with ADLs/IADLs/community living.
Who qualifies: Medicaid enrollment plus institutional level-of-care and functional criteria.
How to start: Request a CFC assessment through the Medicaid plan/service coordinator.
Good to know: Family caregiver payment: Sometimes.
Community First Choice Emergency Response Services
Cost offsetHelps pay for: Can cover emergency response/monitoring supports for eligible CFC participants.
Who qualifies: Must meet CFC eligibility and service-plan requirements.
How to start: Ask the Medicaid plan/service coordinator about CFC ERS.
Good to know: Family caregiver payment: No.
Primary Home Care (PHC)
Direct home-care payerHelps pay for: Pays for non-technical in-home attendant services for Medicaid-eligible people with approved medical/functional need for personal care.
Who qualifies: Requires full Medicaid benefits, community residence and functional need.
How to start: Apply through Texas HHS Community Care Services Eligibility.
Good to know: Family caregiver payment: Via CDS or agency rules.
Community Attendant Services (CAS)
Direct home-care payerHelps pay for: Pays for in-home attendant services for eligible people with medical/functional need for personal care.
Who qualifies: Financial and functional eligibility apply; community residence required.
How to start: Apply through Texas HHS Community Care Services Eligibility.
Good to know: Family caregiver payment: Via CDS or agency rules.
Texas State-Funded / Title XX
Family Care
Direct home-care payerHelps pay for: Provides in-home personal attendant services for eligible adults with functional limitations, including some people who are not eligible for Medicaid attendant care.
Who qualifies: Income/resource and functional requirements apply; program funding/availability matters.
How to start: Contact Texas HHS Community Care Services Eligibility.
Good to know: Family caregiver payment: Possible under delivery rules.
Texas Medicaid / Community Care
Day Activity and Health Services (DAHS)
Cost offsetHelps pay for: Adult day health can provide nursing, personal care, meals, rehabilitation, transportation and social supports, reducing paid home-care hours.
Who qualifies: Chronic medical diagnosis, physician orders, functional limitation and financial/Medicaid eligibility rules apply.
How to start: Contact Texas HHS or a licensed DAHS provider for screening/referral.
Good to know: Family caregiver payment: No.
Texas Community Care
Home-Delivered Meals
Cost offsetHelps pay for: Can reduce the number of paid caregiver hours needed for meal preparation; available through CCSE and/or local aging programs for eligible people.
Who qualifies: Eligibility varies by funding stream and local availability.
How to start: Ask Texas HHS, AAA or ADRC for home-delivered meals screening.
Good to know: Family caregiver payment: No.
Emergency Response Services (ERS)
Cost offsetHelps pay for: Electronic emergency-response monitoring can reduce supervision gaps and support living at home.
Who qualifies: Functional/financial criteria depend on funding source.
How to start: Ask Texas HHS/ADRC about ERS or personal emergency response programs.
Good to know: Family caregiver payment: No.
Special Services to Persons with Disabilities (SSPD)
PartialHelps pay for: Can provide selected in-home/community supports and advocacy to eligible adults with disabilities.
Who qualifies: Program-specific disability, financial and service-need rules apply.
How to start: Ask Texas HHS Community Care Services Eligibility.
Good to know: Family caregiver payment: No.
Adult Foster Care (AFC)
Alternative careHelps pay for: 24-hour supportive care in a family/small-group home can substitute for higher-cost private home care when appropriate.
Who qualifies: Must meet CCSE or other program eligibility and setting requirements.
How to start: Ask Texas HHS/ADRC for options counseling.
Good to know: Family caregiver payment: No.
Texas Medicaid / Transition
Money Follows the Person pathway
Yes after transitionHelps pay for: May allow an eligible nursing-facility resident to transition to community-based services rather than remain institutionalized.
Who qualifies: Medicaid and program eligibility/transition requirements apply.
How to start: Ask the nursing facility, STAR+PLUS MCO or Texas HHS about MFP/community transition.
Good to know: Family caregiver payment: Sometimes.
Transition Assistance Services (TAS)
Cost offsetHelps pay for: One-time support for essential household setup expenses when certain STAR+PLUS HCBS members transition from a nursing facility to the community.
Who qualifies: Limited to eligible transition situations and approved expenses.
How to start: Ask the STAR+PLUS service coordinator during discharge planning.
Good to know: Family caregiver payment: No.
Texas Medicaid / Integrated Care
PACE in Texas
Direct home-care payerHelps pay for: All-inclusive Medicare/Medicaid care can include home care, personal care, nursing, therapy, transportation and other supports for qualifying adults 55+ in a PACE service area.
Who qualifies: Age 55+, nursing-facility level of care, safe community living, and residence in a PACE service area. Texas HHS lists designated areas in El Paso, Lubbock, and Amarillo/Canyon.
How to start: Contact HHS/ADRC or a local PACE organization.
Good to know: Family caregiver payment: No.
Texas Medicaid / Financial Help
Medicaid for the Elderly and People with Disabilities (MEPD)
GatewayHelps pay for: Financial eligibility pathway for Medicaid and certain long-term services/supports, including waiver programs.
Who qualifies: Income/resource and program-specific rules apply.
How to start: Apply through Your Texas Benefits or Texas HHS.
Good to know: Family caregiver payment: No.
Texas Medicare Cost Offset
Medicare Savings Program — QMB
Cost offsetHelps pay for: Pays Medicare Part A/B premiums and, for QMB, Medicare deductibles/coinsurance, freeing income for care.
Who qualifies: 2026 Texas income rules apply; Medicaid eligibility rules determine qualification.
How to start: Apply through Your Texas Benefits/Texas HHS.
Good to know: Family caregiver payment: No.
Medicare Savings Program — SLMB/QI
Cost offsetHelps pay for: Can pay the Medicare Part B premium for qualifying lower-income beneficiaries, freeing monthly income for care.
Who qualifies: 2026 Texas income limits apply and differ by program.
How to start: Apply through Your Texas Benefits/Texas HHS.
Good to know: Family caregiver payment: No.
Texas Aging Network
Area Agency on Aging (AAA) in-home/community services
PartialHelps pay for: Depending on local funding, AAAs may arrange homemaker, personal assistance, respite, meals, transportation, legal/benefits counseling and other supports.
Who qualifies: Usually age 60+ for Older Americans Act services; specific eligibility and priority criteria vary.
How to start: Call the statewide AAA line or locate the county AAA online.
Good to know: Family caregiver payment: Sometimes.
AAA Caregiver Respite
Yes/PartialHelps pay for: Older Americans Act caregiver support can fund or arrange respite for qualifying family caregivers and frail older adults.
Who qualifies: Local availability; frailty/caregiver criteria apply.
How to start: Ask the local AAA for caregiver support/respite assessment.
Good to know: Family caregiver payment: No direct cash in most cases.
AAA Supplemental Caregiver Services
Cost offsetHelps pay for: Local caregiver programs may provide limited supplemental services that reduce out-of-pocket home-care needs.
Who qualifies: Local funding and caregiver eligibility apply.
How to start: Ask the local AAA caregiver program.
Good to know: Family caregiver payment: Varies.
AAA Transportation
Cost offsetHelps pay for: Senior transportation can reduce the need to pay a home-care worker for routine rides.
Who qualifies: Local service area and eligibility vary.
How to start: Ask the local AAA or ADRC.
Good to know: Family caregiver payment: No.
AAA Nutrition / Meals
Cost offsetHelps pay for: Congregate or home-delivered nutrition services can offset meal-preparation costs and caregiver time.
Who qualifies: Local availability and eligibility rules apply.
How to start: Ask the local AAA.
Good to know: Family caregiver payment: No.
HICAP / SHIP Medicare Benefits Counseling
Cost offsetHelps pay for: Free counseling can help beneficiaries identify Medicare, Medigap, Part D, Medicaid and Medicare Savings options that reduce other medical spending.
Who qualifies: For Medicare beneficiaries, families and caregivers.
How to start: Ask the local AAA for HICAP/benefits counseling.
Good to know: Family caregiver payment: No.
Aging and Disability Resource Centers (ADRCs)
NavigationHelps pay for: No-Wrong-Door counseling can identify Medicaid LTSS, VA-connected supports, local programs and private options.
Who qualifies: Open to people seeking LTSS information; program eligibility varies after referral.
How to start: Call Texas HHS statewide ADRC access.
Good to know: Family caregiver payment: No.
Texas Caregiver Support
Take Time Texas Respite Locator
NavigationHelps pay for: Helps caregivers find respite providers and programs by ZIP/county; useful for reducing unpaid-care burnout and finding lower-cost respite.
Who qualifies: Not itself a payer; provider/program eligibility varies.
How to start: Search the Take Time Texas directory.
Good to know: Family caregiver payment: No.
Medicare
Original Medicare Home Health
Yes for skilled careHelps pay for: Pays qualifying intermittent skilled nursing, therapy and limited home health aide services when Medicare home-health rules are met.
Who qualifies: Homebound status, skilled need, provider order and Medicare-certified agency requirements apply. Does not cover ongoing custodial care when that is the only need.
How to start: Ask the physician/provider and a Medicare-certified home health agency.
Good to know: Family caregiver payment: No.
Medicare Caregiver Training
Cost offsetHelps pay for: Part B may pay for caregiver training that is necessary to carry out a Medicare patient’s treatment plan.
Who qualifies: Provider must determine the training is appropriate; Part B cost sharing generally applies.
How to start: Ask the treating Medicare provider to order caregiver training.
Good to know: Family caregiver payment: No.
Medicare Dementia
GUIDE Dementia Care Model
PartialHelps pay for: Participating organizations provide dementia care navigation, 24/7 support, caregiver training and up to a base $2,500/year of respite for eligible patients.
Who qualifies: Original Medicare Parts A/B, dementia diagnosis and GUIDE eligibility; Medicare Advantage and PACE enrollees are not eligible under current rules.
How to start: Find a GUIDE participant serving the ZIP code or call Medicare.
Good to know: Family caregiver payment: No direct stipend.
Medicare Advantage
Medicare Advantage Supplemental In-Home Benefits
PartialHelps pay for: Some plans offer supplemental in-home support, meals, transportation or caregiver-related benefits beyond Original Medicare.
Who qualifies: Benefits vary by plan, county, year and eligibility criteria.
How to start: Review the Evidence of Coverage and call the plan before arranging care.
Good to know: Family caregiver payment: Usually no.
Medicare / Equipment
Medicare Durable Medical Equipment
Cost offsetHelps pay for: Covered equipment such as walkers, hospital beds or patient lifts can reduce caregiver burden and make home care safer.
Who qualifies: Medical necessity, prescribing and Medicare supplier rules apply.
How to start: Ask the Medicare provider and use a Medicare-enrolled supplier.
Good to know: Family caregiver payment: No.
VA Benefits
VA Homemaker and Home Health Aide Care
Direct home-care payerHelps pay for: VA-contracted aides can help eligible Veterans with bathing, dressing, grooming, toileting, eating, mobility and shopping.
Who qualifies: Enrolled Veteran; community-care eligibility, clinical criteria and local availability. Copay may apply.
How to start: Ask the VA primary care team or social worker.
Good to know: Family caregiver payment: No.
Veteran-Directed Care
Direct home-care payerHelps pay for: Provides an approved budget for self-directed personal care; Veterans or representatives can hire workers, including potentially family members or neighbors.
Who qualifies: Enrolled Veteran, community-care eligibility, clinical criteria and local availability.
How to start: Ask a VA social worker whether VDC is available locally.
Good to know: Family caregiver payment: Yes.
VA Skilled Home Health Care
Direct home-care payerHelps pay for: Can pay contracted home health agencies for skilled nursing, therapy, wound care, IV antibiotics and related clinical services.
Who qualifies: Enrolled Veteran; community-care eligibility, clinical criteria and service availability.
How to start: Ask a VA social worker/case manager.
Good to know: Family caregiver payment: No.
VA Respite Care
Direct home-care payerHelps pay for: Pays for short-term home respite, adult day health or nursing-home respite when the Veteran meets clinical and program criteria.
Who qualifies: Enrollment, clinical criteria and local availability; community-care eligibility applies for community providers.
How to start: Ask the VA social worker/case manager.
Good to know: Family caregiver payment: No.
VA Adult Day Health Care
Cost offsetHelps pay for: Can provide daytime personal assistance, health services, activities and caregiver respite.
Who qualifies: Clinical need, enrollment and local availability apply.
How to start: Ask the VA social worker.
Good to know: Family caregiver payment: No.
VA Pension
Aid and Attendance
Cash benefitHelps pay for: Adds monthly money to an eligible VA pension for qualifying Veterans/survivors who need help with daily activities, are bedridden, in a nursing home, or meet vision criteria.
Who qualifies: Must qualify for VA pension plus Aid & Attendance requirements.
How to start: Apply through VA or an accredited veterans representative.
Good to know: Family caregiver payment: Indirectly.
VA Caregiver
Program of Comprehensive Assistance for Family Caregivers (PCAFC)
Caregiver stipendHelps pay for: May provide an approved primary family caregiver a monthly stipend plus training, counseling, respite and other supports.
Who qualifies: Veteran and caregiver must meet VA program eligibility and complete assessment/enrollment.
How to start: Contact VA Caregiver Support.
Good to know: Family caregiver payment: Yes.
VA Community Care
VA Community Care Network — Texas Region 4
Yes when authorizedHelps pay for: VA may authorize home health and other covered community services through CCN. Texas is Region 4, administered by TriWest.
Who qualifies: VA eligibility/referral/authorization rules apply. Do not hire a provider first and assume VA will reimburse.
How to start: Start with the VA care team/referral coordinator.
Good to know: Family caregiver payment: No.
Texas Veterans
Texas Veterans Commission / County Service Officers
NavigationHelps pay for: Free claims assistance can help Veterans and survivors identify and apply for VA pension, disability, healthcare and other benefits that may fund or offset home-care costs.
Who qualifies: Veteran/survivor benefit eligibility varies by program.
How to start: Contact Texas Veterans Commission or the county Veterans Service Office.
Good to know: Family caregiver payment: No.
Insurance
Traditional Long-Term Care Insurance
Direct home-care payerHelps pay for: Can reimburse or pay benefits for qualifying home care after policy benefit triggers and any elimination period are satisfied.
Who qualifies: Depends on existing policy terms, ADL/cognitive trigger, provider requirements, benefit limits and elimination period.
How to start: Request the complete policy and current benefit statement from the insurer.
Good to know: Family caregiver payment: Sometimes, policy-specific.
Hybrid Life Insurance + LTC Rider
Direct home-care payerHelps pay for: Combination life/LTC policies may pay for qualifying home care while reducing the remaining death benefit.
Who qualifies: Policy terms, benefit triggers and underwriting apply.
How to start: Review the in-force illustration and rider language.
Good to know: Family caregiver payment: Policy-specific.
Insurance / Medicaid Planning
Texas Long-Term Care Partnership Policy
Yes through policyHelps pay for: Qualified Partnership policies can pay LTC benefits and may protect a matching amount of assets for later Medicaid eligibility/estate recovery rules.
Who qualifies: Must be a Texas Partnership-qualified LTC policy; Medicaid eligibility still must be met later.
How to start: Confirm Partnership status with insurer/Texas Department of Insurance.
Good to know: Family caregiver payment: Policy-specific.
Insurance / Assets
Life Insurance Accelerated Benefit / Cash Value
Cash sourceHelps pay for: Existing life insurance may provide cash value, loans or accelerated benefits that can be used for care.
Who qualifies: Depends on policy type, rider and tax/estate consequences.
How to start: Ask the insurer for available living benefits and an illustration.
Good to know: Family caregiver payment: Yes, if privately paid.
Private Pay
Savings, Social Security, Pension or Retirement Income
Direct home-care payerHelps pay for: Most flexible source for agency care, direct-hire caregivers and uncovered hours.
Who qualifies: No program eligibility, but tax/estate planning may matter.
How to start: Create a written care budget and compare agency/direct-hire costs.
Good to know: Family caregiver payment: Yes.
Family Contributions / Shared Family Care Fund
Direct home-care payerHelps pay for: Adult children or other relatives may pool money for professional caregivers or respite.
Who qualifies: Family agreement should clarify contributions, decision-making and documentation.
How to start: Use a written family plan and payment records.
Good to know: Family caregiver payment: Yes.
Private Pay / Family Caregiver
Personal Care Agreement
Direct home-care payerHelps pay for: An older adult may privately pay a family member under a written care agreement; useful when documented before services and priced reasonably.
Who qualifies: Employment, tax, Medicaid transfer and fiduciary rules can apply.
How to start: Consult elder-law/tax professionals when Medicaid or estate planning may be relevant.
Good to know: Family caregiver payment: Yes.
Private Pay / Employment
Direct-Hire Household Caregiver
Direct home-care payerHelps pay for: Hiring a caregiver directly can lower agency overhead but may make the household the employer for payroll/tax purposes.
Who qualifies: Federal/state wage, tax, overtime, insurance and recordkeeping rules may apply.
How to start: Use payroll support and a written employment agreement.
Good to know: Family caregiver payment: Yes.
Home Equity
HELOC / Home Equity Loan
Cash sourceHelps pay for: Home equity can finance care while the person remains at home, subject to loan approval and repayment.
Who qualifies: Requires equity, credit/underwriting and ability to service the debt.
How to start: Compare lenders and total borrowing costs.
Good to know: Family caregiver payment: Yes.
Reverse Mortgage / HECM
Cash sourceHelps pay for: Qualifying homeowners age 62+ may access home equity without traditional monthly principal-and-interest payments; proceeds can be used for care.
Who qualifies: Occupancy, taxes, insurance, maintenance and loan terms apply; equity declines over time.
How to start: Complete HUD-approved counseling and compare HECM options.
Good to know: Family caregiver payment: Yes.
Financial Product
Annuity Income
Cash sourceHelps pay for: An annuity can create a recurring income stream that may be used for home care.
Who qualifies: Product liquidity, surrender charges, tax and Medicaid treatment matter.
How to start: Review with an independent fiduciary/tax or elder-law adviser.
Good to know: Family caregiver payment: Yes.
Tax / Medical
Federal Medical Expense Deduction
Cost offsetHelps pay for: Certain qualified long-term care or nursing-type services may count as medical expenses when IRS requirements are met, reducing after-tax cost for itemizers.
Who qualifies: Qualified service/care-plan rules and the medical-expense AGI threshold apply.
How to start: Keep care plans, invoices, timesheets and proof of payment; consult a tax professional.
Good to know: Family caregiver payment: No.
Tax / HSA
Health Savings Account (HSA)
Cost offsetHelps pay for: Tax-free HSA distributions may pay qualifying medical expenses and certain qualified long-term care services/premiums.
Who qualifies: Expense must qualify under federal tax rules and not be reimbursed elsewhere.
How to start: Review expenses under IRS Publication 969/502.
Good to know: Family caregiver payment: No.
Tax / Dependent Care
Child and Dependent Care Credit
Cost offsetHelps pay for: Working taxpayers may qualify for a credit for care of a spouse/dependent incapable of self-care when the care enables work or job search.
Who qualifies: Dependency, work-related and provider-identification rules apply.
How to start: Review IRS Publication 503/Form 2441.
Good to know: Family caregiver payment: No.
Texas Cost Offset
Age 65+ Residence Homestead Exemption
Cost offsetHelps pay for: Texas school districts must provide an additional residence-homestead exemption for qualifying homeowners age 65+, potentially freeing income for care.
Who qualifies: Must meet age, ownership and principal-residence rules; local options may add more relief.
How to start: Apply with the county appraisal district.
Good to know: Family caregiver payment: No.
Texas Veterans Cost Offset
Disabled Veteran Property Tax Exemption
Cost offsetHelps pay for: Texas offers partial property-tax exemptions based on VA disability rating; eligible veterans age 65+ may qualify for a $12,000 exemption under certain conditions.
Who qualifies: Texas residency, qualifying service-connected disability and property rules apply.
How to start: Apply with the county appraisal district.
Good to know: Family caregiver payment: No.
100% Disabled Veteran Homestead Exemption
Cost offsetHelps pay for: Qualifying veterans receiving 100% VA disability compensation or individual unemployability may receive a total exemption on the Texas residence homestead.
Who qualifies: Must meet Texas Tax Code eligibility and residence-homestead requirements.
How to start: Apply with the county appraisal district.
Good to know: Family caregiver payment: No.
Food / Household Cost Offset
SNAP through Your Texas Benefits
Cost offsetHelps pay for: Food assistance can preserve household cash for caregiving expenses.
Who qualifies: Income/household eligibility rules apply.
How to start: Apply through Your Texas Benefits.
Good to know: Family caregiver payment: No.
Navigation
2-1-1 Texas
NavigationHelps pay for: Connects callers to local food, utility, housing, transportation, caregiver and health resources that may reduce the household cost burden.
Who qualifies: Resource eligibility varies.
How to start: Dial 2-1-1 or search online.
Good to know: Family caregiver payment: No.
Where Texas Families Can Start
Not sure where to begin? Match your situation to a contact below.
Statewide aging/disability services navigation and referral
Texas HHS Aging & Disability / No Wrong Door
Local aging services, caregiver support, benefits counseling, meals, transportation, respite
Texas Area Agencies on Aging
Free Medicare and insurance benefits counseling through local AAAs
Texas HICAP / SHIP
Assessment for VA home/community services, VDC, respite, skilled home health and CCN
VA Health Care / Social Work
Claims assistance for VA pension, Aid & Attendance, disability and other benefits
Texas Veterans Commission / VCSO
Food, utility, housing, transportation and local social-service referrals
2-1-1 Texas
Federal locator for local aging services and caregiver resources
Eldercare Locator
Before You Rely on Any Payment Source
Start with Texas HHS/ADRC
Call 855-937-2372 before assuming private pay is the only option. Ask for Medicaid LTSS screening, Community Care Services Eligibility, PACE and local aging-program referrals.
Ask specifically about self-direction
For Medicaid attendant services, ask whether Consumer Directed Services (CDS) is available. It may allow the participant to hire and manage a trusted worker, subject to service-specific relative/spouse rules.
STAR+PLUS HCBS can involve an interest list
Some applicants who are not already receiving eligible services may need to place their name on the STAR+PLUS HCBS interest list; nursing-facility transitions and certain upgrades follow different paths.
Do not confuse Medicare with long-term custodial care
Original Medicare may cover intermittent skilled home health, but not ongoing custodial care when that is the only need.
GUIDE is not a cash allowance
GUIDE provides dementia care management and qualifying respite through participating organizations; respite is not unrestricted cash paid to the family.
VA CCN requires authorization
Texas is VA CCN Region 4 (TriWest). Families should obtain VA referral/authorization before using community providers except where separate urgent/emergency rules apply.
Aid & Attendance is a pension add-on
It is not a standalone insurance policy; the Veteran/survivor must qualify for VA pension and the additional Aid & Attendance criteria.
Use free veterans claims help
Texas Veterans Commission and Veterans County Service Officers can help identify and file claims. Avoid unaccredited advisers who promise benefits in exchange for asset transfers or large fees.
Medicaid planning can have estate consequences
Texas Medicaid long-term-care programs can involve income/resource rules, asset-transfer review and Medicaid Estate Recovery. Seek qualified elder-law advice before transferring assets.
Direct-hire caregivers can create payroll obligations
If the household controls how the caregiver works, the worker may be a household employee. Use written agreements, time records and appropriate payroll/tax handling.
Stack cost offsets
Meals, transportation, Medicare Savings Programs, property-tax relief and respite may not directly pay an hourly caregiver, but together can preserve cash for paid care.
Program rules, income limits, and availability change over time and can vary by county. Confirm current details with the program directly, or ask a home care provider in Texas to help you navigate the application process.
← Back to How to Pay for In-Home CareHome Care Providers in Texas
These providers serve families in Texas and can help you apply what you've learned above to your specific situation.
A Better Solution In Home Care – Fort Worth, TX
Serving Texas
A Better Solution In Home Care – Fort Worth, TX provides home care services in the Fort Worth area.
Communities Served
Fort Worth
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A Better Solution In Home Care – Houston, TX
Serving Texas
A Better Solution In Home Care – Houston, TX provides home care services in the Houston area.
Communities Served
Houston
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A Better Solution In Home Care – North Dallas, TX
Serving Texas
A Better Solution In Home Care – North Dallas, TX provides home care services in the North Dallas area.
Communities Served
North Dallas
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Arcy Healthcare – Dallas, TX
Serving Texas
Arcy Healthcare provides home care services in Dallas, TX and the surrounding communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care • Hospice Care
Communities Served
Dallas, Hurst, Grapevine and surrounding areas
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Arcy Healthcare – Denton, TX
Serving Texas
Arcy Healthcare provides home care services in Denton, TX and the surrounding communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care • Hospice Care
Communities Served
Dallas, Hurst, Grapevine and surrounding areas
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Arcy Healthcare – Flower Mound, TX
Serving Texas
Arcy Healthcare provides home care services in Flower Mound, TX and the surrounding communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care • Hospice Care
Communities Served
Dallas-Fort Worth area, North Texas
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At Your Side Home Care
Serving Texas
At Your Side Home Care provides home care services in Houston, TX and the surrounding communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care
Communities Served
Bay City, Cinco Ranch, Galleria and surrounding areas
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Hello! Home Care
Serving Texas
Hello! Home Care provides home care services in Southlake, TX and the surrounding communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care
Communities Served
Southlake, Fort Worth, Flower Mound and surrounding areas
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Passion Hospice Care
Serving Texas
Passion Hospice Care provides home care services in San Antonio, TX and the surrounding communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care
Communities Served
Bulverde, Converse, Fair Oaks Ranch and surrounding areas
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Personal Caregiving Services
Serving Texas
Personal Caregiving Services provides home care services in Houston, TX and the surrounding communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care
Communities Served
Houston, Katy, Sugar Land
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Residential Home Care
Serving Texas
Residential Home Care provides home care services in Sugar Land, TX and the surrounding communities it serves.
Services Available
24-Hour Home Care • Companion Care • Personal Care • Dementia & Alzheimer's Care • Respite Care
Communities Served
Austin, Beaumont, Conroe and surrounding areas
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