Full-coverage care at home — what the options really are, and what each one costs.
When an illness progresses, a spouse-caregiver burns out, or a hospital discharge comes with the words “should not be alone,” families suddenly need to understand full-coverage care — fast. Here's how the options actually work.
| Model | How it works | 2026 monthly cost (Georgetown area) |
|---|---|---|
| 24-hour shift care | 2–3 caregivers in 8–12 hr shifts; someone always awake | $10,000 – $17,000 |
| Live-in care | One caregiver lives in; sleeps overnight with breaks required | $8,000 – $12,000 |
| Overnight-only (12-hr) | Professional coverage at night; family or part-time help by day | $4,500 – $7,000 |
Assisted living in Williamson County runs roughly $5,700–$7,700/month and memory care $6,800–$8,000+ — so full 24/7 home care is usually the more expensive path. Families choose it anyway for one-on-one attention (facilities staff at one aide per 6–15 residents), couples who refuse to be separated, and the simple wish to stay home. Our cost guide covers ways to offset it, including VA Aid & Attendance for veterans and long-term care insurance.
24-hour care = rotating shifts, always awake. Live-in = one caregiver who sleeps there. Frequent night needs require shift care.
Shift care $10,000–$17,000/mo; live-in $8,000–$12,000/mo; overnight-only $4,500–$7,000/mo in 2026.
Yes — it's the most common arrangement after hospital discharge, with family covering days.
Urgent situations — including hospital discharges — can often be staffed within 24–48 hours. Tell us what's happening.
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