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

Laguna Woods, California, offers unique appeal to retirees in a city of more than 17,600 residents, 82.8% of which are aged 65 and older. Most Laguna Woods residents live in the Laguna Woods Village retirement community. With 208 senior living communities in and around Laguna Woods, it’s a region tailored specifically to meet the needs of seniors. With two of the nation’s top geriatric hospitals within 20 miles of the city — UCI Medical Center and Hoag Memorial Hospital Presbyterian — seniors have easy access to high-quality medical care. Home care services average $5,434 per month for residents in the city, according to the Genworth Cost of Care Survey 2020.

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

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Paying for Home Care in Laguna Woods, CA

The Genworth 2020 Cost of Care Survey lists Laguna Woods home care costs at $5,434 per month or about $950 more than the national and state medians for the same care. While the cost of home care is high compared to the state as a whole, Laguna Woods costs are comparable or on the low end for similar areas. In San Diego, seniors pay approximately $280 more than in Laguna Woods, while San Francisco residents pay nearly $670 more. Bakersfield is one of the few more populated areas where home care is available for less at about $360 less than in Laguna Woods, a Los Angeles suburb. 

Laguna Woods

California

United States

San Diego

Bakersfield

San Francisco

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

Seniors can choose between several types of long-term care, depending on their needs. The most affordable option is adult day health care, which has a median cost of $1,647. Home care costs $5,434 per month and includes personal care, while home health care averages $5,529 per month but includes basic medical care. Assisted living is slightly more affordable at $5,000 per month. Nursing home care is the most expensive and offers the most comprehensive care at $8,060 per month. 

Home Care

$5,434

Home Health Care

$5,529

Adult Day Health

$1,647

Assisted Living

$5,000

Nursing Home Care (semi-private room)

$8,060

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

Seniors can choose between several types of long-term care, depending on their needs. The most affordable option is adult day health care, which has a median cost of $1,647. Home care costs $5,434 per month and includes personal care, while home health care averages $5,529 per month but includes basic medical care. Assisted living is slightly more affordable at $5,000 per month. Nursing home care is the most expensive and offers the most comprehensive care at $8,060 per month. 

Home Care

$5,434

Home Health Care

$5,529

Adult Day Health

$1,647

Assisted Living

$5,000

Nursing Home Care (semi-private room)

$8,060

Financial Assistance for Home Care in Laguna Woods, 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 Woods, CA

Many seniors prefer to age in their own homes, which is why Laguna Woods offers many programs to assist. Local and federal programs offer rebates on taxes, discounted transportation services, utility help and other services that may prolong senior independence. Contact the agencies below to learn more about what’s available to Laguna Woods residents. 

ResourceContactService
Habitat for Humanity Home Repair(714) 434-6200Habitat for Humanity is partnered with the Orange County government to offer low-income seniors and their families access to home repair services. Veterans may also qualify. Home repairs focus on three categories: health, safety and accessibility. For seniors with mobility challenges, installing grab bars and railings might be available through the program. The initial application is available online and program administrators contact qualified applicants to schedule a walk-through.
Residential Energy Efficiency Improvement Program(949) 639-0562Through funding from a Community Development Block Grant, Laguna Woods seniors can apply for up to $2,500 in assistance toward installing energy-efficient doors and windows. This program is designed to help reduce ongoing costs for heating and cooling homes for low and very low-income seniors. Income guidelines apply and seniors must make a maximum of $37,500 per year for a married couple.
Property Tax Relief Programs(916) 274-3350Laguna Woods seniors have several options when it comes to reducing the cost of property taxes. Seniors can choose to defer all property taxes until the home is sold or the title transferred, though it will create a lien on the property that must be settled at the time of transfer. Liens do come with interest charges that accrue on the total balance of property taxes due. Seniors can also apply for tax assistance from the state which allows them to receive a direct reimbursement for taxes paid on the first $34,000 of the property assessment.
Senior Mobility Program(949) 639-0500The city of Laguna Woods administers the Senior Mobility Program with funding from Orange County. This program offers seniors aged 60 and older discounts to standard taxi fares. Three programs are available with deep discounts offered for non-emergency medical transportation.

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 – oftentimes 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.

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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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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