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The 10 Best Home Care Agencies for Seniors in Mission Viejo, CA for 2024

Mission Viejo, CA, makes the cut as one of the best places to retire, according to Caring’s 2024 Senior Living Report, with appealing characteristics including a compact, master-planned city design, high-quality hospitals and designated as one of the safest cities in the state. According to the 2021 Genworth Cost of Care Survey, seniors in Mission Viejo typically pay $5,911 per month for home care, which provides personal care support for seniors who want to remain at home but doesn’t include medical care. Seniors have access to many specialties at Providence Mission Hospital Mission Viejo to supplement home care services if they face medical situations.

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

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Paying for Home Care in Mission Viejo, CA

The Cost of Home Care in Mission Viejo, CA

Home care in Mission Viejo has a median cost of $5,911 per month. That’s almost $1,000 more than the national average but a little less than the California median cost of $6,101. Compared to nearby cities, Mission Viejo falls near the middle. It’s more expensive than Bakersfield by $405, and Oxnard, which averages $96 less. Mission Viejo is more affordable than Riverside with its median cost of $6,101 per month and San Luis Obispo, where it typically costs $7,150. 

Mission Viejo

$5,911

California

$6,101

United States

$4,957

Bakersfield

$5,506

Oxnard

$5,815

Riverside

$6,101

San Luis Obispo

$7,150

The Cost of Home Care vs. Other Senior Care Options in Mission Viejo, CA

Home care with its median cost of $5,911 is just one care option for Mission Viejo seniors. Home health care includes skilled nursing services and usually costs about the same as home care. Seniors who choose adult day health care can save significantly, with median costs of $1,652 per month. Assisted living is another option that’s more affordable, often costing $661 less than home care. Nursing home care is the most expensive option. Seniors can expect to pay about $3,214 more than home care rates for semiprivate accommodations in a nursing home. 

Home Care

$5,911

Home Health Care

$5,911

Adult Day Health Care

$1,652

Assisted Living

$5,250

Nursing Home Care (semiprivate room)

$9,125

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

Financial Assistance for Home Care in Mission Viejo, 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 Mission Viejo, CA

While home care can be costly, seniors in Mission Viejo have access to several agencies that offer free or low-cost programs that can make it more affordable. Many of these organizations connect seniors with different benefits or financial aid options. They might also provide services such as discounted transportation and meals. The following resources are options for seniors looking into home care. 

ResourceContactService
Orange County Office on Aging(800) 510-2020Focusing on low-income ethnic minorities, the Orange County Office on Aging serves residents 60 and older. It offers advocacy and administers several programs, including congregate meals, elder abuse prevention, legal advocacy and long-term care ombudsman services.
Senior Dial-A-Taxi Program(949) 470-3062Mission Viejo residents 60 and over can use the Senior Dial-A-Taxi Program for discounted taxi rides within a limited area. Rides to city buildings are free. This senior transportation service is available 24/7 and is designed for self-sufficient seniors or those with personal care attendants for basic transportation.
Norman P. Murray Community and Senior Center(949) 470-3062At the Norman P. Murray Community and Senior Center, Mission Viejo seniors can participate in free and fee-based classes and activities. Classes for seniors cover a variety of topics, including exercise, art and technology.
Age Well(949) 855-8033Age Well supports Orange County seniors through several programs, including Meals on Wheels, senior center lunches and Senior Cuisine Delivered. The agency also offers care management, non-emergency medical transportation and health and wellness resources.
Council on Aging - Southern California(714) 479-0107The Council on Aging - Southern California offers free services to seniors to support independence and health. Some of the programs include concierge care navigators to help make health care decisions, friendly visitor program for companionship, educational seminars and a long-term care ombudsman to handle complaints about long-term care facilities.
Community Legal Aid SoCal(714) 571-5200Community Legal Aid SoCal has a special Seniors Unit serving seniors in Orange County who are 60 or older. Qualifying seniors receive free legal services related to several areas, including elder abuse, small claims, bankruptcy, wills, powers of attorney and government benefits.
Veterans and Military Family Resource Center and City Direct Services(949) 470-8412The city offers several resources for veterans, including the Resource Center, which connects veterans with Veterans Administration, California Department of Veterans Services and several other agencies serving veterans. Direct city services include benefits services, mental health resources and pro bono legal services.

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.Contains flex elementsImage width (percent):85

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.Contains flex elementsImage width (percent):85

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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