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The 10 Best Home Care Agencies for Seniors in Fair Oaks, CA 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 Fair Oaks, CA, residents and their loved ones rate In Home Care agencies across the 39 options below.

Home Care Services in Fair Oaks, California

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On this page:

  • Home Care Services in Fair Oaks, California
  • Paying for Home Care in Fair Oaks, CA
  • Financial Assistance for Home Care in Fair Oaks, CA
  • Fair Oaks Home Care Resources
  • Determining Your Loved One’s Need for In-Home Care
  • Guidelines for Talking About In-Home Care

Paying for Home Care in Fair Oaks, CA

The Cost of Home Care in Fair Oaks, CA

The 2024 Genworth Cost of Care Survey reports home care costs in Fair Oaks at around $4,671. This is $2,200 below the statewide median and nearly $1,050 lower than the national norm. Local rates also compare favorably to costs in Santa Rosa and San Francisco, where agencies charge around $8,294 and $7,531, respectively.

Fair Oaks

$4,671

California

$6,864

United States

$5,720

Stockton

$6,101

Santa Rosa

$8,294

San Francisco

$7,531

The Cost of Home Care vs. Other Senior Care Options in Fair Oaks, CA

In Fair Oaks, seniors who arrange private in-home care pay around $4,671 per month. This offers about $2,000 in savings over home health care, an alternative for those with skilled nursing needs. Additionally, in-home care costs significantly less than adult day health care, which comes in at around $8,667, and it saves seniors about $6,735 in savings over nursing home costs.

Home Care

$4,671

Home Health Care

$6,673

Adult Day Health Care

$8,667

Assisted Living Facility

$6,340

Nursing Home Care (semi-private room)

$11,406

Note: Data for Fair Oaks was unavailable, so data for the nearest city, Sacramento, was used instead.

Financial Assistance for Home Care in Fair Oaks, CA

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.

Fair Oaks Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Fair Oaks:

ResourceContactAddressService
Meals on Wheels by ACC(916) 444-95337375 Park City Dr., Sacramento, CA 95831Home-delivered meals are available to certain seniors through Meals on Wheels. For eligibility, clients must be 60 years of age or older and have trouble leaving their homes, among other qualifications. Meal enhancements, such as salads and desserts, are available, and older adults with pets may be interested in the organization’s AniMeals program. Seniors can contact Meals on Wheels for more information themselves, and their loved ones can also make referrals.
Rebuilding Together Sacramento(916) 455-1880P.O. Box 255584, Sacramento, CA 95825RTS runs many home improvement services that seniors may find helpful. Its Safe at Home service can help older adults whose homes need grab rails, step modifications and other accessibility changes as well as minor home repairs. These services are free for low-income applicants, but applicants with higher incomes can also access them by paying a fee. RTS runs a program that improves the energy efficiency of homes as well.
Community Resource Project, Inc.(916) 567-5220250 Harris Ave., Sacramento, CA 95838CRP is a nonprofit organization focused on assisting low-income clients. Its Home Energy Assistance Program offers utility bill relief, and seniors 60 years of age and older are a priority population for it. CRP also offers a weatherization program that provides features such as caulking and insulation as well as repairs and replacements of certain home elements. Additional services from CRP focus on saving water and solar system installations.
Health Insurance Counseling & Advocacy Program(916) 376-8915505 12th St., Sacramento, CA 95814Facilitated by Legal Services of Northern California, HICAP assists current and prospective Medicare beneficiaries. HICAP’s counselors help clients enroll, answer questions and aid in resolving problems. The counselors also provide information on long-term care insurance and ways clients can make Medicare costs more affordable. Assistance is also available for clients deciding between prescription plans and those engaged in appeals and grievances.
Sacramento County Veterans Services(916) 874-68113970 Research Dr., Sacramento, CA 95838Older military veterans in search of information on potential benefits may find the SCVS helpful. The SCVS assists in matters such as Veterans Administration claims and benefits determinations. Additionally, it can help veterans access state and local benefits. The SCVS also helps family members of veterans and provides advocacy and case management services.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

In Home Care near Fair Oaks, CA

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Other Options in Fair Oaks, CA

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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