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The 10 Best Home Care Agencies for Seniors in San Lorenzo, 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 Lorenzo, CA, residents and their loved ones rate In Home Care agencies across the 60 options below.

Home Care Services in San Lorenzo, California

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Paying for Home Care in San Lorenzo, CA

The Cost of Home Care in San Lorenzo, CA

In San Lorenzo, home care agencies charge $6,864 per month for services. This is more than $700 higher than the state rate of $6,101 and nearly $2,000 higher than the national median of $4,957. In El Centro, rates are about half that of San Lorenzo at $3,432 per month, and in Modesto, care costs are $5,768. San Jose is one of the most expensive places in California to obtain home care, with seniors paying $7,102 for services.

San Lorenzo

$6,864

California

$6,101

The United States

$4,957

Modesto

$5,768

El Centro

$3,432

San Jose

$7,102

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

Long-term care in San Lorenzo tends to be costly compared to state and national averages. The cheapest option is adult day health care at $1,950 per month. Seniors receiving care in an assisted living facility pay $6,319 per month, and those who arrange for care at home spend $6,864 for home care and $7,150 for home health care. Monthly nursing home rates are substantially higher than home care at $11,566. 

Home Care

$6,864

Home Health Care

$7,150

Adult Day Health Care

$1,950

Assisted Living Facility

$6,319

Nursing Home Facility (semiprivate room)

$11,566

Note: Data for San Lorenzo was unavailable, so data for the nearest city, San Francisco, was used instead. 

Financial Assistance for Home Care in San Lorenzo, 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 San Lorenzo, CA

The San Lorenzo area has various nonprofit agencies and programs that support older adults, helping them maintain as much privacy and independence as possible. Through these resources, you can connect with information specialists who provide referrals for community-based programs and arrange home-delivered meals, transportation and chore services.  

ResourceContactService
Area Agency on Aging(510) 577-1907The Area Agency on Aging for the San Lorenzo region provides social, supportive and health services for those aged 60 and over. It operates the Senior Information and Assistance program, which can help you find community-based services to supplement paid care, and it publishes several resource guides that provide important information regarding age-related issues. The agency also offers home-delivered and congregate meals, transportation services and in-home supportive services.
Meals on Wheels of Alameda County(510) 777-9560Meals on Wheels of Alameda County provides nutritious meals to housebound individuals in the San Lorenzo region. Services are available to those aged 60 and over, regardless of income. The organization can also help you find community-based resources such as dining sites, low-cost home care, pet food pantries and utility bill assistance.
Access Alameda(510) 208-7400Access Alameda helps older adults find and benefit from transportation services in the San Lorenzo region. Through this guide, seniors can learn more about local public transportation options, ADA paratransit services, low-cost same-day services and volunteer driver programs.
California 211211California 211 is a free helpline San Lorenzo residents can call for one-on-one help finding services in the community to supplement paid care. The helpline's staff is available 24/7 and can direct you to local home modification services, home-delivered meals, transportation services, utility assistance and wellness screenings.
Property Tax Postponement Program(800) 952-5661The Property Tax Postponement Program enables qualifying individuals aged 65 and over to defer their current-year property taxes, which may reduce their living expenses and allow them to remain in their homes.

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

Frequently Asked Questions

In Home Care near San Lorenzo, CA

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Other Options in San Lorenzo, 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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