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The 10 Best Home Care Agencies for Seniors in Monterey, 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 Monterey, CA, residents and their loved ones rate In Home Care agencies 4.6 out of 5 stars across the 18 options below.

Home Care Services in Monterey, California

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On this page:

  • Home Care Services in Monterey, California
  • Paying for Home Care in Monterey, CA
  • Financial Assistance for Home Care in Monterey, CA
  • Monterey 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 Monterey, CA

The Cost of Home Care in Monterey, CA

Based on care costs in nearby Santa Cruz, home care rates in Monterey are estimated at $6,864 per month, significantly exceeding respective state and national averages. In Stockton, monthly care costs are about $1,400 lower than in Monterey, while home care agencies in Vallejo charge about $900 less for in-home care. In Merced, rates are about $600 less than in Monterey. San Jose is the only surveyed city in Central California with higher monthly home care rates, exceeding Monterey by $238. 

Monterey

$6,864

California

$6,101

The United States

$4,957

San Jose

$7,102

Vallejo

$5,958

Stockton

$5,482

Merced

$6,288

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

Home care agencies in Monterey charge $6,864 per month for basic services such as meal planning and preparation, light household chores, transportation and help with personal care. Home health care agencies, which provide these services along with skilled nursing services such as medication and insulin administration and physical therapy, charge about $140 more. While assisted living rates are considerably more affordable than in-home care costs, nursing home fees are several thousand dollars more expensive for semiprivate accommodations.

Home Care

$6,864

Home Health Care

$7,007

Assisted Living

$5,550

Nursing Home Care (semiprivate room)

$10,646

Note: Data for Monterey was unavailable, so data for the nearest city, Santa Cruz, was used instead.

Financial Assistance for Home Care in Monterey, 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.

Monterey 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 Monterey:

ResourceContactAddressService
Alliance on Aging(831) 758-4011247 Main St., Salinas, CA 93901The Alliance on Aging is a nonprofit organization that provides a variety of services to seniors in Monterey County. Programs include Medicare counseling, peer counseling, tax assistance and a monthly luncheon. It is also a primary source of information for other programs and services including transportation options and in-home care.
Energy Discount Programs(800) 743-5000356 E Alisal St., Salinas, CA 93901The California Alternate Rates for Energy Program (CARE) and Family Electric Rate Assistance Program (FERA) programs provide discounts on gas and electric bills for low-income households. Under the CARE program, customers can receive a discount of 20% or more on their gas or electricity bill, and qualify through either meeting household income requirements or participation in public assistance programs. FERA provides an 18% discount on electricity and is only available to households of at least three people who meet income eligibility requirements.
Meals on Wheels of the Monterey Peninsula(831) 375-4454700 Jewell Ave., Pacific Grove, CA 93950Meals on Wheels is a nonprofit organization that delivers low-cost meals to seniors ages 60 and older who are unable to shop or cook for themselves. In cooperation with the SPCA of Monterey County, it also delivers pet meals for seniors with dogs, cats or birds. In addition to deliveries, it also provides group lunches on weekdays to give seniors a place to socialize while enjoying a meal, and fresh produce bags every week.
Medical Baseline Program(800) 743-5000356 E Alisal St., Salinas, CA 93901This program provides assistance to energy customers who use medical or independent living equipment that relies on power. Those enrolled in the program receive 500 kilowatt-hours of electricity and/or 25 therms of gas per month at the lowest rate, in addition to the baseline all residential customers receive at that rate. They also receive additional notifications prior to planned power outages, including extra phone calls or a knock on their door to ensure they have time to prepare.
The Carmel Foundation(831) 624-15888th and Lincoln St., Carmel-By-The-Sea, CA 93921This nonprofit organization provides seniors 55 and older in Monterey County with a variety of activities and services including classes and workshops, tours throughout the greater Bay Area, meal deliveries, support groups, medical equipment loans, legal assistance and blood pressure checks.  Members pay an annual $55 tax-deductible fee, with no additional cost for many of the services. It also operates three housing complexes for low-income members 65 years or older or 62 with a disability.

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

Reviews of Care Providers Nearby

Home Care

Suity L

I am a past client of this provider

Review of Peggy's Home Care

Their coordinators are very good. He is on top of things and follows through with his tasks. They are on top of things and reliable.

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Home Care

Carolyn S_36

I am a past client of this provider

Review of Peggy's Home Care

It helped me out a lot. They couldn't have been nicer ad more caring.

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Home Care

Anonymous_1728493029

I am a current client of this provider

Review of Peggy's Home Care

I've appreciated their kindness that I've had from the people I spoke to on the phone. I needed caregivers more often because of my injury and I know they care about their quality, but I think the...

Read more

In Home Care near Monterey, 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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