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The 10 Best Home Care Agencies for Seniors in Lake Forest, CA for 2024

In Caring’s 2022 Senior Living Report, Lake Forest, California, ranked as one of the best places to retire because it offers gorgeous year-round weather with big-city amenities in a small-town setting. Additionally, it has plentiful senior-friendly activities and beautiful parks. According to the 2021 Genworth Cost of Care Survey, residents in Lake Forest pay a monthly median of $5,911 for home care services. While in-home care includes assistance with personal care, household chores and running errands, it doesn’t provide medical services that are available with home health care. The city doesn’t have a local hospital, but seniors have access to several nearby medical facilities, including MemorialCare Saddleback Medical Center and Providence Mission Hospital Mission Viejo.

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

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Paying for Home Care in Lake Forest, CA

The Cost of Home Care in Lake Forest, CA

The 2021 Genworth Cost of Care Survey shows home care in Lake Forest costs about $190 less than the state median of $6,101 but $954 more than the national average of $4,957. Several California cities have lower in-home care costs, including Bakersfield where seniors pay $5,506 per month and $5,815 in Oxnard. The average rate in Riverside is $6,101, which is consistent with the state’s median. Santa Maria home care costs around $6,673 per month, which is $762 higher than Lake Forest’s average.

Lake Forest

$5,911

California

$6,101

The United States

$4,957

Bakersfield

$5,506

Oxnard

$5,815

Riverside

$6,101

Santa Maria

$6,673

The Cost of Home Care vs. Other Senior Care Options in Lake Forest, CA

Several long-term care options are available in Lake Forest. Home care costs $5,911, and seniors requiring in-home medical services pay the same monthly rate for home health care. The most affordable option is adult day health care at $1,652. Assisted living communities offer similar services and cost less at $5,250 monthly. Nursing home care is the most expensive option at $9,125 for semiprivate accommodations.

Home Care

$5,911

Home Health Care

$5,911

Adult Day Health Care

$1,652

Assisted Living Facility

$5,250

Nursing Home Facility (semiprivate room)

$9,125

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

Financial Assistance for Home Care in Lake Forest, 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 Lake Forest, CA

Many resources are available to Lake Forest seniors to support their independence and help them age in place. Local and federal programs can help reduce monthly expenses through utility bill assistance, home improvements and repairs, transportation, meal deliveries and other related services. Seniors and their families can learn more by contacting the agencies listed below.

ResourceContactService
Age Well Senior Services(949) 855-8033Age Well Senior Services in Lake Forest provides resources to Orange County seniors to promote their independence, good health and well-being. Free and low-cost programs and services include congregate and delivered nutrition programs, transportation services, health and wellness programs, case management and online classes and events.
Council on Aging Southern California(714) 479-0107The Council on Aging Southern California is a nonprofit organization providing information and services to seniors 60+ years old and their families. Free programs include a resource guide, concierge care navigators, a friendly visitor program, health insurance counseling, advocacy programs, senior protection programs and support groups.
City of Lake Forest Community Services Department(949) 461-3400The City of Lake Forest Community Services Department maintains an extensive online list of resources to help seniors find the care they need to age in place. The list includes organizations that help with various age-related diseases, housing, meals, transportation, fraud, legal aid, adult day care, VA programs and other senior services.
California Department of Community Services and Development(866) 675-6623The California Department of Community Services and Development offers financial assistance to low-income Californians. Resources include the California Arrearage Payment Program, Low-Income Home Energy Assistance Program, Low-Income Household Water Assistance Program, Community Services Block Grants, Low-Income Weatherization Program and the U.S. Department of Energy's Weatherization Assistance Program.

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 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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