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California In-Home Care

In-Home Care / California

Almost 40 million people are living in California, and just under 15% of them are 65 or older. In the next few years, this group is expected to grow and account for 19% of the population by 2030. This means that they will need more accessible care. In order to do this, the state has top hospitals like UCLA Medical Center, which is ranked nationally in more than a dozen specialties and conditions, and Stanford Hospital, which is ranked nationally in 11 specialties.

There are also many home care agencies in the state that offer basic housekeeping services. Also, many home health care providers offer skilled nursing services. Both levels of care cost $6,101 per month, but your costs may be higher or lower depending on how much care you need.

Learn more about how much in-home care costs for seniors in California, by comparing how rates vary in different parts of the state, how they compare to other long-term care options, and more.

Cost of In-Home Care In California

According to the Genworth 2021 Cost of Care Survey, the average cost of home care in California is $6,101 per month, which is $1,000 higher than the national average of $4,957. In Oregon, the monthly costs are about the same, at $6,006, but in Arizona and Nevada, the monthly rates are lower, at $5,339 and $5,148, respectively.

$6101
California
$4957
The United States
$6006
Oregon
$5148
Nevada
$5339
Arizona

Cost of Home Care In California: By City

How much you pay for home care in California depends a lot on where you live. In-home services cost the least in El Centro, where the average monthly fee is $3,432, while Visalia residents pay $5,339. Residents of Chico and Vallejo pay $5,720 and $5,958, which are closer to the state average. In Sacramento, the capital city of California, care costs $6,292 per year. The most expensive places in California to get in-home care are Santa Cruz and San Luis Obispo, where residents pay $6,864 and $7,150 per month.

Homemaker Services

$3432
El Centro
$5339
Visalia
$5482
Stockton
$5506
Bakersfield
$5529
Fresno
$5720
Chico
$5768
Modesto
$5815
Oxnard Area
$5895
Yuba City
$5911
Los Angeles Area
$5958
Vallejo
$6101
Riverside Area
$6288
Merced
$6292
Sacramento Area
$6292
Santa Rosa Area
$6387
San Diego Area
$6435
Napa
$6673
Redding
$6673
Santa Maria Area
$6864
Santa Cruz Area
$6864
San Francisco Area
$7102
San Jose Area
$7150
San Luis Obispo Area

Home Health Aide

$3432
El Centro
$5339
Visalia
$5482
Stockton
$5506
Bakersfield
$5529
Fresno
$5720
Chico
$5768
Modesto
$5985
Yuba City
$5911
Los Angeles Area
$5958
Vallejo
$6054
Oxnard Area
$6101
Riverside Area
$6288
Merced
$6292
Sacramento Area
$6435
Napa
$6473
San Diego Area
$6673
Redding
$6673
Santa Maria Area
$6912
Santa Rosa Area
$7007
Santa Cruz Area
$7102
San Jose Area
$7150
San Francisco Area
$7150
San Luis Obispo Area

Cost of Home Care In California: By Type Of Care

Long-term care costs in California range from less than $2,000 to $10,000, depending on how much care you need and where you live. Adult day health care costs $1,842 per month and is for people who want to stay at home but need help with personal care, meals, and activities during the day in a group setting. 

For $5,250 per month, assisted living gives you all these services and a place to live. On the other hand, in-home care and home health care cost $6,101 per month, while nursing home care costs $9,794 per month and is the most expensive option in the state.

$6101
In-Home Care
$6101
Home Health Care
$1842
Adult Day Health Care
$5250
Assisted Living
$9794
Nursing Home Care

Financing Options For In-Home Care In California

Medi-Cal, California's Medicaid managed care program, may cover in-home care and home health care for seniors. This program pays for medically required emergency services and hospitalization, outpatient care, laboratory services, rehabilitative services, preventative care, and prescription medications, as well as home health care to help people avoid going to a nursing home.

Basic in-home services like meal preparation and help with daily activities are not covered by the regular Medi-Cal program. However, these services are covered by a number of waivers and programs, such as the In-Home Support Services Program, the Home and Community-Based Alternatives Waiver, the Multipurpose Senior Services Program Waiver, and the Program of All-Inclusive Care for the Elderly. In contrast to regular Medi-Cal, these programs have limits on how many people can join, and eligible people may be put on a waitlist.

Home Care Waiver Programs In California  

Home care services are covered by a number of Medi-Cal programs and waivers, so low-income seniors can get personalized care. Each program has its own rules, but in general, applicants for services must meet Medi-Cal's guidelines for financial and functional needs. Take note that you can't be in more than one program at the same time.

Service Provided and Area Served:
Services Provided
Area Served
IHSS gives seniors and people with disabilities in-home care instead of institutionalized care or residential community-based care. During home visits, county social workers do assessments to determine what services a person is eligible for. Some of the services that the person may get are light housekeeping, laundry service, planning and making meals, grocery shopping, and personal care. To get services through Medi-Cal, applicants must be at least 65 years old. Visit the IHSS office near you to find out more or fill out an application.
Statewide
The HCBA Waiver helps elderly individuals who are living in a nursing home but want to move back into their own homes by giving them transition services and in-home care. A social worker and a nurse make up the care management team. They figure out what services a person needs to live safely and comfortably at home. The patient can get services in their own home, a home they rent, or the home of a family member. Seniors can send an email to [email protected] to find out more about the services they can get and how to apply.
Statewide
The MSSP Waiver provides in-home care to people 65 and older who would otherwise have to go to a nursing home. It is run by both the Department of Health Services and the state's Department of Aging. Depending on the person's needs, it offers a wide range of services, such as protective supervision, personal care, money management, home modifications to make it easier to get around, and chore services. People must be eligible for Medi-Cal and live in an MSSP service area to be qualified. Seniors should call their county office to find out how to apply.
46 countries
PACE is a program that is run by both Medicare and Medicaid. It helps people over 55 who are eligible for care at a nursing home but want to stay in their own homes by giving them a full range of health, medical, and social services. Depending on their needs, this program helps seniors with things like personal care, light housework, physical and occupational therapy, and meal preparation. At the moment, California has 33 PACE service areas where people must live in order to be eligible for services. Call the California Department of Health Care Services or send an email to [email protected] to find out more about the program.
33 service areas

Eligibility For Medicaid In California

To qualify for Medi-Cal, your income and assets must fall within the program's guidelines. Single applicants may have a maximum annual income of $18,768; married applicants may have a maximum household income of $25,272. Single applicants are granted $2,000 in countable assets, whereas married applicants are granted $3,000.

Medicaid Income Limits For Seniors In California 2022

Income Limits and Asset Limits
Income Limits
Assets Limits
Single Person
Income Limits:
$18,768
Asset Limits:
$2,000
Two-Person Household
Income Limits:
$25,272
Asset Limits:
$3,000
*Per Year

To be eligible for services, seniors must also meet a few additional requirements. To qualify, you must be:

  • A legal resident or U.S. citizen
  • A permanent inhabitant of California 
  • At least 65 years old 

Applying for Medicaid in California

You can apply for Medi-Cal in person, over the phone, or by mailing a Single Streamlined Application to your local county social services office. Likewise, you can submit your application online at www.CoveredCA.com.

Information You Will Need:

Having specific documentation on hand prior to initiating the application procedure can facilitate a prompt decision. The following are examples of information you may be required to provide:

  • Birth certificate 
  • Proof of home address 
  • A state-issued ID (e.g., driver’s license)
  • Proof of all assets and income
  • Proof of legal residence or U.S. citizenship
  • Proof of other insurance coverage (e.g., Medicare or TRICARE)

Other Ways To Finance In-Home Care In California

While the aforementioned programs assist many individuals in financing in-home care, they do not cover all expenses for everyone. There are more options to pay for in-home care, including as private arrangements with siblings, reverse mortgages, annuities, and private insurance.

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