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

The 2020 Genworth Cost of Care Survey reveals that the typical senior in Turlock pays $5,148 per month for home care. The national average is lower at $4,481, but this is expected as California is the second most expensive state in the country. This is reflected in the average home care fee of $5,529. However, Turlock offers the most affordable care in the region with only Stockton coming close at $5,243. In San Francisco, home care averages $6,101, while seniors in San Jose pay $6,197.

Despite providing basic medical support as well as home care, home health agencies typically charge $5,148, the same fee for home care. Assisted living facilities in Turlock offer their services for around $4,000, while nursing homes charge significantly more, usually $10,783 for a semiprivate room. The Genworth survey doesn’t supply costs for adult day care in Turlock, but the state average of $1,733 should give some indication of likely costs.

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.