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

The Genworth 2021 Cost of Care Survey estimates home care costs in Monrovia at $5,911 per month, which is moderate compared to state and national norms, as well as rates in nearby cities. In California, the monthly average cost for in-home care exceeds Monrovia’s typical rate by about $200, but nationally, rates are considerably lower at $4,957. Monrovia is a budget-friendly option for those seeking in-home care compared to San Diego and Riverside, where respective monthly fees for home care average $6,387 and $6,101. However, seniors in Oxnard pay about $100 less on care, and in Bakersfield, care costs are 7% below Monrovia’s norm.

Home care is among the costlier senior care options in Monrovia, with seniors paying $5,911 monthly for this level of care. While home health care, an option that includes specialized services, is available for the same monthly rate, seniors save thousands of dollars per month by choosing adult day health care. Assisted living rates come in about 11% below the cost of in-home care, making it a more affordable option for many seniors. However, in-home care is generally budget-friendly compared to nursing home placement, which averages $9,125 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.