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The 10 Best Home Care Agencies for Seniors in Rio Linda, 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 Rio Linda, CA, residents and their loved ones rate In Home Care agencies across the 27 options below.

Home Care Services in Rio Linda, California

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Paying for Home Care in Rio Linda, CA

The Cost of Home Care in Rio Linda, CA

Seniors in Rio Linda pay $6,292 per month for in-home care, making this a costly place for home care services. Local rates are nearly $200 higher than California’s average of $6,101 and over $1,300 more than the national average. In Stockton, rates are several hundred dollars lower at $5,482. In Vallejo, agencies charge $5,958 for services, and in San Diego, rates are a little higher than Rio Linda’s median at $6,387. 

Rio Linda

$6,292

California

$6,101

The United States

$4,957

Stockton

$5,482

San Diego

$6,387

Vallejo

$5,958

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

Home-based care in Rio Linda is among the costlier local long-term care options, with seniors paying $6,292 monthly for home care and specialized home health care. For those who want to live at home but have budgetary limitations, adult daycare is considerably cheaper at $2,167 per month. Assisted living provides the same scope of care in a residential setting and costs $5,225 per month, and nursing home care is for those who need intensive medical care and monitoring and costs $10,646 per month.

Home Care

$6,292

Home Health Care

$6,292

Adult Day Health Care

$2,167

Assisted Living Facility

$5,225

Nursing Home Facility (semiprivate room)

$10,646

Note: Data for Rio Linda was unavailable, so data for the nearest city, Sacramento, was used instead.

Financial Assistance for Home Care in Rio Linda, 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.

Free & Low-Cost Home Care Resources in Rio Linda, CA

Finding affordable long-term care can be a challenge, but fortunately, there are several agencies and programs in the Rio Linda area that can help. You can get one-on-one help with finding free and low-cost services to supplement paid in-home care through the following resources. 

ResourceContactService
Agency on Aging Area 4(916) 486-1876The Agency on Aging administers a dozen programs in the Rio Linda region to help older adults preserve their privacy and independence. Through this program, you can access respite services and the Del Oro Caregiver Resource Center, which supports informal caregivers in the region. The agency has specialists who provide health insurance options counseling, which may help you identify ways to pay for services, as well as legal professionals who help you navigate age-related civil issues. The agency also provides home-delivered and congregate meals, transportation services and social and recreational programming to support seniors’ quality of life at home.
Meals on Wheels by ACC(916) 444-9533The local Meals on Wheels program provides home-delivered meals to qualifying individuals in Rio Linda and the rest of Sacramento County. Meals are delivered to local seniors who are housebound due to reasons such as age, disability, illness or recovery from hospitalization. The organization also operates 20 congregate meal sites throughout Sacramento County, including one at the Rio Linda Elverta Recreation and Park District. At this location, seniors can enjoy meals Monday-Thursday. Free transportation is available to those who need help getting to and from the meal site.
Community Resource Project, Inc.(916) 567-5220Community Resource Project, Inc., is a local nonprofit organization that promotes the safety and financial stability of qualifying individuals in the Rio Linda area. It administers a free energy efficiency program that helps residents enroll in the Low Income Home Energy Assistance Program, which provides weatherization improvements, utility bill assistance, laundry machines, new windows and glass repair and HVAC systems to improve your home’s comfort while lowering energy bills.
211 Sacramento2-1-1211 Sacramento is a free information and referral service that you can contact for help with finding programs in the community. This helpline is staffed with live agents who can help you find respite services, options counseling, case management and home modification programs.

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.

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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.

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Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions

In Home Care near Rio Linda, CA

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Other Options in Rio Linda, 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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