The 10 Best Home Care Agencies for Seniors in Garden Grove, CA for 2025

Home care agencies in Garden Grove charge an average of $5,911 per month for nonmedical home care services, according to Genworth’s 2021 Cost of Care Survey, making it one of the more cost-effective cities in California to age in place. Although this monthly rate exceeds the national average of $4,957, it’s less than the state average of $6,101. Compared to nearby cities, Garden Grove’s average is higher than Bakersfield’s $5,506 and Oxnard’s $5,815 but lower than San Diego’s $6,387 and significantly less than San Luis Obispo’s $7,150.

While home care sometimes costs less than home health care, in Garden Grove, the average rates are the same. Home health care involves medical services generally provided by registered nurses or therapists; home care doesn’t. Compared to other senior care options, in-home services are higher than all but semiprivate rooms in nursing homes, which cost $9,125 monthly for round-the-clock care. Assisted living costs less at $5,250 but requires seniors to move to a residential facility, and adult day health care is only $1,652 per month but offers limited services outside the home.

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.