One of the first questions families ask is a practical one: how will we pay for home care? In Texas, non-medical in-home care averages about $28 per hour — roughly $5,300 per month at 44 hours per week — so understanding your coverage options matters. Here is a clear 2026 guide to the main ways Texas families pay for home care. (Program rules and figures change; always confirm current details with each program.)
Does Medicare Cover Home Care?
Medicare can help cover skilled home health services when they are medically necessary — such as intermittent skilled nursing, physical or occupational therapy, and limited home health aide support tied to that skilled care. Medicare generally does not pay for 24-hour care, homemaker services, or custodial and personal care when that is the only care needed. If your loved one qualifies for skilled care, our skilled nursing and therapy services may apply.
Texas Medicaid: The STAR+PLUS HCBS Waiver
Texas’s primary Medicaid pathway for long-term in-home care is the STAR+PLUS Home and Community-Based Services (HCBS) Waiver, administered by Texas Health and Human Services. In 2026, the income limit for a single applicant is about $2,982 per month. Because STAR+PLUS uses an interest list (waiting list), the single most important step Texas families can take is to get on the list early — well before care is urgently needed. Texas Medicaid may also offer Primary Home Care / Personal Assistance Services for eligible individuals.
VA Aid & Attendance for Veterans
Veterans and surviving spouses who need help with daily activities may qualify for Aid & Attendance, an increased monthly pension paid on top of the basic VA pension. In Texas, Aid & Attendance benefits do not count toward Medicaid income eligibility, so many families combine the two to fund more hours of care. The Texas Veterans Commission offers free benefits counselors statewide to help you apply.
Private Pay and Combining Sources
Private pay offers the most flexibility and the fastest start of care, with no insurance restrictions and fully customizable plans. Many families also combine funding sources — for example, pairing VA Aid & Attendance with Medicaid or private pay to stretch their budget further. Learn more on our Private Pay page.
We Help You Navigate Coverage
Sorting out coverage can feel overwhelming — but you don’t have to do it alone. Superior Helpers is contracted with a wide range of plans and programs, and we verify your benefits, coordinate with your physician, and obtain authorizations so care can begin as quickly as possible. See the plans we accept on our Insurance & Contracts page.
Have questions about paying for care in DFW? Contact our team for a free, no-pressure conversation about your options.