The 10 Best Home Care Agencies for Seniors in Gilroy, 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 Gilroy, CA, residents and their loved ones rate In Home Care agencies across the 45 options below.

In California, where home care agencies charge monthly median rates of $6,101, Gilroy is one of the most expensive places to arrange services. According to the Genworth 2021 Cost of Care Survey, in-home care costs approximately $7,102 per month in Gilroy. This is about $2,150 higher than the national average, and it’s well above regional norms. Seniors in Santa Cruz pay about $240 less for care than home care clients in Gilroy, and in Salinas, home care agencies charge about $6,673 for care. In Merced, rates average $6,288, and in Modesto, rates are about $1,300 less than in Gilroy.

Home care is one of the most expensive long-term care options in Gilroy, with seniors paying $7,102 per month for services. Home health care is available for the same rate and includes skilled nursing services. While this is nearly $4,800 less per month than the cost of nursing home care, seniors may save $1,100 per month by moving into an assisted living community. Adult day health care is the most cost-effective option at $1,820 per month.

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.