The 10 Best Home Care Agencies for Seniors in Yorba Linda, 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 Yorba Linda, CA, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 61 options below.

Yorba Linda has an average cost of $5,911 per month for senior home care, according to Genworth’s 2021 Cost of Care Survey. California average is $191 above that of the city, and the nationwide norm is $954 per month lower. Prices in the surrounding area are quite mixed, with highs of $6,387 in San Diego and $6,673 in Santa Maria. The average cost is significantly lower in El Centro, at $3,432 per month, while seniors in Oxnard save just under $100 compared to those in Yorba Linda.

Although the average monthly cost for home care and home health care is the same in Yorba Linda, the latter offers the provision of light medical services by suitably trained and licensed personnel. Adult day health care programs average less than one-third of the cost for home care, at $1,652 per month, and seniors in assisted living communities save almost $700. Nursing home care is the most comprehensive, and comes with the highest average cost, with a semiprivate room averaging $3,214 more than in-home care.

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.