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The 10 Best Home Care Agencies for Seniors in San Mateo, 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 Mateo, CA, residents and their loved ones rate In Home Care agencies 4.6 out of 5 stars across the 95 options below.

Home Care Services in San Mateo, California

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Paying for Home Care in San Mateo, CA

The Cost of Home Care in San Mateo, CA

The monthly price of home care in San Mateo stands at $7,531, according to the 2024 Genworth Cost of Care Survey, exceeding national norms by $1,811. Expenses jump another $477‬ for seniors relocating to San Jose. However, the median rate drops by $2,860 for seniors seeking home care in Sacramento.

San Mateo

$7,531

California

$6,864

United States

$5,720

San Jose

$8,008

Stockton

$6,101

Sacramento

$4,671

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

Home care providers in San Mateo charge a median rate of $7,531 per month, meaning that this type of care ranks among the costlier options in the city. Seniors save considerable amounts of money in adult day care, where midrange expenses sit at $1,842. However, the intensive care of a nursing home carries a steep cost of $12,471 per month.

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

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

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

While finding home care services can be challenging, seniors in San Mateo have access to a support network that helps them navigate the system. The following table outlines government programs, nonprofit agencies and locally operated programs that help older adults find affordable in-home care. These resources may also help qualified seniors reduce living costs, which may enable them to remain in their own homes.

ResourceContactService
Aging and Adult Services(800) 675-8437The Aging and Adult Services division of the San Mateo County Health Department is the Area Agency on Aging for the region, meaning it provides government-funded support services for those aged 60 and over. It operates the local In-Home Supportive Services program. It also provides referrals for community-based services.
Veterans Service Office(650) 802-6598The Veterans Service Office helps older veterans determine eligibility for programs such as Aid and Attendance, disability compensation and the VA’s Veterans Home Care, which can help pay for in-home care. The office can also provide referrals for community-based services such as transportation and financial assistance.
Senior Center(650) 522-7490The Senior Center hosts a range of activities for those aged 55 and over, including games, social programs and age-friendly fitness classes, helping those who live alone to avoid loneliness and isolation. It can also help seniors connect with programs such as S.A.S.H., which provides grocery shopping and delivery services.
Meals on Wheels(650) 272-5041Seniors unable to obtain meals themselves can arrange home-delivered meals through the Meals on Wheels program. Screened volunteers deliver meals daily and provide wellness checks, and they’re trained on how to report safety concerns. The program also conducts in-home assessments to evaluate clients’ needs and connect them with community-based services.
Property Tax Postponement Program(800) 952-5661The Property Tax Postponement Program enables qualified individuals to defer property taxes on their primary residences. This can reduce homeownership costs and help seniors afford to remain in their homes throughout retirement.

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 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

Frequently Asked Questions

Reviews of Care Providers Nearby

Home Care

Mary7

I am a past client of this provider

Review of Senior Helpers of San Francisco and the Peninsula

I was with Senior Helpers of San Francisco and the Peninsula, but the care was missing a lot of appointments and then there were three different times when they canceled very soon. They're helping...

Provider response

Hi Mary, Thank you so much for your feedback, I am sorry that you experienced moments where we had last minute cancellations from our staff. Please don't hesitate to reach out if we can be of...

Read more

Home Care

Adrian

I am a current client of this provider

Review of Home Instead - San Mateo, CA

The care givers are like a family member. When we need an answer to a certain issue, the office staff has been immediately available.

Read more

Home Care

Garrett T

I am a past client of this provider

Review of Visiting Angels - Tustin, CA

We used Visiting Angels Tustin / Irvine for a while for my mother. Overall, we had a good experience. They provided us with dementia care as well as companion care. We really liked their fall...

Read more

In Home Care near San Mateo, CA

BurlingameHillsboroughFoster CityBelmontMillbraeSan Carlos

Other Options in San Mateo, 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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