The 10 Best Home Care Agencies for Seniors in Oceanside, 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 Oceanside, CA, residents and their loved ones rate In Home Care agencies 4.7 out of 5 stars across the 42 options below.

Based on senior care costs in nearby San Diego, the Genworth 2021 Cost of Care Survey estimates home care rates in Oceanside at $6,387 per month. This exceeds the state median of $6,101 by 5%, and it’s about 30% higher than the national average of $4,957. Seniors who obtain in-home care in El Centro pay much cheaper monthly rates of $3,432. In Oxnard, care costs are about $600 less than in Oceanside, at $5,815, and in Los Angeles, monthly fees are below the local median by about $475. 

Home care agencies in Oceanside provide nonmedical services such as housekeeping and meal preparation for approximately $6,387 per month. This is $100 cheaper than the cost of home health care, which includes nonmedical and skilled nursing services for $6,473. Assisted living costs about $900 less than in-home care, and adult day health care costs over $4,000 less. Nursing home care, which provides 24-hour medical care and monitoring, costs about $3,000 more than home care.

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.