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The 10 Best Home Care Agencies for Seniors in San Francisco, 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 San Francisco, CA, residents and their loved ones rate In Home Care agencies 4.4 out of 5 stars across the 100 options below.

Home Care Services in San Francisco, California

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Paying for Home Care in San Francisco, CA

The Cost of Home Care in San Francisco, CA

The 2024 Genworth Cost of Care Survey reports that seniors in San Francisco typically pay around $7,531 per month for home care, surpassing the respective state and national norms by about $670 and $1,800. Seniors in nearby Fresno pay considerably lower monthly rates of around $6,101, but in San Jose, home care rates run considerably higher at around $8,008.

San Francisco

$7,531

California

$6,864

United States

$5,720

Stockton

$6,101

San Jose

$8,008

Santa Cruz

$7,245

Fresno

$6,101

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

In San Francisco, home care agencies charge about $7,531 per month for nonmedical assistance. It runs about $1,050 lower than the cost of home health care, which includes essential skilled nursing services. Additionally, it offers roughly $4,940 in savings over nursing home rates, which cover intensive 24-hour care and monitoring.

Home Care

$7,531

Home Health Care

$8,580

Adult Day Health Care

$1,842

Assisted Living Facility

$7,495

Nursing Home Care (semi-private room)

$12,471

Financial Assistance for Home Care in San Francisco, 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.

San Francisco 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 San Francisco:

ResourceContactAddressService
Meals on Wheels San Francisco(415) 920-1111137 FairFax Ave, San Francisco, CA 94124Volunteers in the area help senior clients maintain a safe and healthy lifestyle by delivering nutritious meals, including breakfast, lunch and dinner options that can be modified to fit each client’s specific needs. Delivered daily, on weekdays, or twice a week, meals can arrive hot, refrigerated, or frozen depending on the client’s capabilities. The agency also provides volunteer shoppers who can buy groceries and small household items, along with helpful volunteers who can stop by just to change a light bulb, make small furniture repairs and other small projects.
San Francisco Human Services Department of Disability and Aging Services(415) 355-67002 Gough St, San Francisco, CA 94103Often referred to as the DAS Benefits and Resources Hub, the agency connects seniors, veterans and individuals with disabilities with a variety of resources, like in-home supportive services, food pantries and LGBT programs. Adult protective services are also available. Applications are accepted online. Representatives can be reached at the provided number and speak the following languages: Spanish, Cantonese, Mandarin, Vietnamese, Japanese and Tagalog. 
Bay Area Legal Aid(415) 982-13001800 Market Street 3rd Floor, San Francisco, CA 94102The nonprofit represents clients from a variety of different cultural and social-economic backgrounds in areas of finance, housing preservation and helping individuals apply for the government support they are entitled to. Attorneys can also assist with appealing unlawful terminations of financial aid or wrongful denials for benefits. The agency also has experience handling medical issues, as well as assisting clients with obtaining in-home support services and SSI benefits.  
San Francisco Community Assistance Program(415) 551-3000525 Golden Gate Avenue (at Polk St.), San Francisco, CA 94102Not only does this agency help senior and low-income residents in San Francisco provide assistance with paying water bills, but they also offer free replacements of old, in-efficient water fixtures. Once approved, customers receive a free evaluation of their home and receive discounts for up to 35% on sewer bills and 15% on water bills. The program can replace faucets, showerheads and toilets, in addition to fixing expensive plumbing issues.
Self-Help for the Elderly(415) 677-7600731 Sansome Street, Suite 100, San Francisco, CA 94111Serving over 40,000 seniors in Chinatown each year, the non-profit offers a wide variety of senior care services, both in and out of the home, along with resources to help seniors and their caregivers. The organization also provides HICAP services to help seniors better understand their health insurance options and rights.

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 – often times 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 in-home care
Checklist for determining the need for in-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

Carrie_1

I am a current client of this provider

Review of Arosa - San Francisco

The caregiver treats me and my mother-in-law well. They treat me with respect and are timely with responding to me.

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Home Care

Sharon K_19

I am a current client of this provider

Review of Arosa - San Francisco

They could do a better job about communication. They could do a much better job about substitutes when someone calls in sick. They could do a much better job of training and transition when they...

Read more

Home Care

Anonymous_6539

I am a current client of this provider

Review of ameriCARE San Francisco

They're very personable. I have a lot of fun with them and work still gets done. I like that they're approachable and they'll listen to you. They go out of their way for you.

Provider response

Thank you so much for your review. We appreciate the confidence you have in our agency. Your feedback goes a long way in helping us recognize the team for their dedication and commitment to...

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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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