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The 10 Best Home Care Agencies for Seniors in Laguna Niguel, CA for 2024

Laguna Niguel, CA, is listed in Caring’s 2024 Senior Living Report as one of the best cities in California for older citizens. It’s a beautiful and clean suburban city by the ocean, known for its green spaces, parks and trees. There are plenty of boutique stores and restaurants serving local and international cuisine. The city also boasts easy access to award-winning medical care at facilities such as Mission Hospital Laguna Beach and Saddleback Medical Center. According to the 2021 Genworth Cost of Care Survey, the median monthly fee for home care in Laguna Niguel is $5,911. This is also the median fee for home health care, although the two care types provide different services — the former, nonmedical care and the latter, basic medical care.

Below we’ve compiled a comprehensive directory of every home care provider in the Laguna Niguel area – 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 Laguna Niguel, CA

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Paying for Home Care in Laguna Niguel, CA

The Cost of Home Care in Laguna Niguel, CA

The 2021 Genworth Cost of Care Survey reveals the median monthly cost of home care in Laguna Niguel is $5,911. This is $954 more per month than the national average, but $190 less than the norm for California. Comparisons with nearby cities show Laguna Niguel’s seniors would pay $190 more if they moved to Riverside and another $286 on top of that if they relocated to San Diego. However, if they moved up the coast to Oxnard, they could save $96 per month — an annual savings of $1,152.

Laguna Niguel

$5,911

California

$6,101

United States

$4,957

Oxnard

$5,815

San Diego

$6,387

Riverside

$6,101

The Cost of Home Care vs. Other Senior Care Options in Laguna Niguel, CA

Home care and home health care have the same median monthly fee of $5,911 in Laguna Niguel. This is despite home care being a nonmedical service and home health care a medical service delivered by licensed professionals. Adult day health care, at $1,652, and assisted living, at $5,250, are more affordable, but the former is unsuitable for homebound seniors, and the latter requires relocating. Nursing homes are the costliest option, at $9,125 for a semiprivate room.

In Home Care

$5,911

Home Health Care

$5,911

Assisted Living Facility

$1,652

Assisted Living Facility

$5,250

Nursing Home Care (semiprivate room)

$9,125

Note: Data for Laguna Niguel was unavailable, so data for the nearest city, Los Angeles, was used instead.

Financial Assistance for Home Care in Laguna Niguel, 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.

Free & Low-Cost Home Care Resources in Laguna Niguel, CA

Seniors aging in place can access numerous resources in Laguna Niguel that can make living at home easier. Those listed in the following table are either free or low-cost. They can make the senior’s home safer, reduce their energy costs, ensure they receive nutritious food and help them file their taxes with confidence.

ResourceContactService
Senior Nutrition Program(949) 362-2807The City of Laguna Niguel's Senior Nutrition Program delivers meals to seniors who can't visit the senior center, where lunches are served on weekdays. For a suggested donation of $7.50 per delivery, the senior receives one hot meal, one cold dinner and one cold breakfast.
Weatherization Services(714) 839-6199Community Action Partnership of Orange County provides weatherization services to eligible seniors in Laguna Niguel. The purpose is to make the senior's home more energy efficient. Work may include insulating roofs and walls and installing air conditioners and furnaces.
AARP Foundation Tax-Aide Program(949) 425-5151IRS-certified volunteers provide free assistance to seniors who want help filing their taxes. Seniors can choose to drop off their documents with a volunteer who will prepare taxes on their behalf, or the two can work together.
Home Energy Assistance Program(714) 839-6199The Home Energy Assistance Program can make a one-time contribution toward a senior's energy bills every year. The payment is typically made directly to the energy provider, which can be either electricity or gas.
Property Tax Assistance(714) 834-2727Homeowners aged 62+ can defer payment on their property taxes. The state pays the property taxes, and the deferred payment creates a lien on the property. The state will reimburse a portion of property taxes for homeowners/renters who meet income guidelines without creating a lien on the property.

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 home care
Checklist for determining the need for 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.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions

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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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