The 10 Best Home Care Agencies for Seniors in Tracy, CA for 2025

Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Tracy, CA, residents and their loved ones rate In Home Care agencies across the 50 options below.

Tracy and other communities in the Stockton Metro Area pay an average of $5,482 per month for home care. This is several hundred dollars more than the national average of $4,957, but less than the California statewide average of $6,101. Residents of San Jose pay the most for home care at $7,102 per month, while their counterparts in California’s capital, Sacramento, pay an average of $6,292. The most affordable California community for home care is Visalia, at $5,339 per month. Along the southern coast in San Diego, residents pay $6,387.

Home care and home health care, which involves light clinical services such as physical and occupational therapy, are the most expensive senior care options in Tracy — with the exception of nursing home care, which averages $10,015 per month for semiprivate accommodations. Adult day health care is the most affordable at a monthly average of $2,058, but this approach is best for those with in-home caregivers available on nights and weekends. Residents of assisted living communities in Tracy typically pay $3,649 per month. 

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.