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The 10 Best Home Care Agencies for Seniors in La Jolla, CA for 2024

La Jolla is a coastal neighborhood in San Diego, a vibrant city where seniors make up over 13% of the population of 1.4 million people. While this is a couple of percentage points lower than the national average of roughly 17%, there are numerous benefits that make the neighborhood a prime retirement destination. San Diego is listed on the AARP Age-Friendly Network for the access it provides to health care amenities and its walkable, mixed-use neighborhoods. Within La Jolla, there are approximately 233 doctors per capita — more than the national median. Jacobs Medical Center at UC San Diego Health and Scripps Memorial Hospital La Jolla are located within the neighborhood, and nearly two dozen other major medical facilities are within driving distance.

There are also numerous home care agencies serving seniors in La Jolla. These agencies charge approximately $6,387 per month for nonspecialized services such as grocery shopping assistance, meal preparation and help with personal care tasks. These differ from home health care agencies, which provide skilled nursing services at a higher monthly rate.

Below we’ve compiled a comprehensive directory of every home care provider in La Jolla– complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

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Home Care Agencies in La Jolla, CA

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Paying for Home Care in La Jolla, CA

The Cost of Home Care in La Jolla, CA

The Genworth 2021 Cost of Care Survey doesn’t list senior care costs for La Jolla, but because the neighborhood is located in San Diego, care costs reflect regional norms. Based on this, local home care rates are estimated at $6,387 monthly, which is about 5% higher than the state rate and nearly 30% higher than the national average. Seniors in El Centro pay nearly $3,000 less per month for care, and in Riverside and Los Angeles, rates range from about $300 to $500 less. In Oxnard, rates come in about $600 below La Jolla’s average. 

La Jolla

$6,387

California

$6,101

United States

$4,957

El Centro

$3,432

Riverside

$6,101

Los Angeles

$5,911

Oxnard

$5,815

The Cost of Home Care vs. Other Senior Care Options in La Jolla, CA

Home care agencies in La Jolla charge $6,387 for basic services such as companionship and personal care. For seniors who need skilled nursing services, home health care is more expensive at $6,473. Nursing home care, which is the costliest long-term care option in La Jolla, costs $3,000 more than home care. Seniors seeking more economical services may consider assisted living, which costs $900 less than home care, or adult day health care, which costs $4,000 less. 

Home Care

$6,387

Home Health Care

$6,473

Adult Day Health Care

$2,058

Assisted Living Facility

$5,475

Nursing Home Facility (semiprivate room)

$9,384

Note: Data for La Jolla was unavailable, so data for the nearest city, San Diego, was used instead.

Financial Assistance for Home Care in La Jolla, 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.

La Jolla Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in La Jolla:

ResourceContactAddressService
La Jolla Meals on Wheels(858) 452-03919888 Genesee Avenue, La Jolla, CA 92037Meals on Wheels is a non-profit organization that provides meals to homebound seniors in the La Jolla area. Volunteers deliver meals around noon each day from Monday to Friday and freezer meal packs are available for weekends. There is a small charge for each meal but financial assistance is available. Additionally, the organization offers the Friendly Visitors program, in which volunteers spend one to two hours each week visiting homebound seniors and making sure they enjoy some social interaction.
Senior Center(858) 459-08316811 La Jolla Blvd, La Jolla, CA 92037The La Jolla Community Center provides a number of free classes each day aimed at seniors in the community. Some of the classes offered include arts and crafts, fitness classes, computer classes and educational lectures. The center provides regular group outings to attractions in the area. There is no charge for any of the activities at the center. There is a small annual membership fee but this can be negotiated if the senior cannot afford the suggested fee.
Weatherization Program(916) 576-7109​2389 Gateway Oaks Drive, Suite 100, Sacramento, CA 95833The Weatherization Program is funded by the federal government and the state of California. The program assists low-income households to reduce their monthly energy costs by installing energy-efficient upgrades to their properties. Priority is given to seniors and families with young children. The program assesses which upgrades would have the highest impact on the reduction of costs and the upgrades are then installed at no cost to the household. Some of the upgrades offered include installing solar photovoltaic systems, repairing or replacing air conditioning units, repairing or replacing refrigerators and weatherstripping. 

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 – often times 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.

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Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs
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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

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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