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

Sacramento, California, is listed among the best places to retire in Caring’s 2022 Senior Living report because of its dry, hot summers and cool winters and appealing historical nature. The city of Sacramento also provides elderly and disabled care services to help seniors remain in the comfort of their homes. The 2021 Genworth Cost of Care Survey indicates that residents pay a monthly average of $6,292 for home care services. In-home care is similar to services provided in an assisted living facility, while home health care also includes medical services. California is home to some of the nation’s top-ranking hospitals for geriatrics, including the UC Davis Medical Center and the UCSF Health-UCSF Medical Center.

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

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Paying for Home Care in Sacramento, CA

The Cost of Home Care in Sacramento, CA

According to Genworth’s 2021 Cost of Care Survey, monthly home care costs in Sacramento are $191 higher than the state median of $6,101 and $1,335 higher than the national median of $4,957. Seniors in Fresno pay $5,529 per month, which is $763 lower than in Sacramento. Rates in San Francisco are $572 more per month, with an average of $6,864. Residents in San Jose can expect to pay $810 more at $7,102 monthly, making it one of the most expensive cities in California.

Sacramento

$6,292

California

$6,101

The United States

$4,957

Fresno

$5,529

San Francisco

$6,864

San Jose

$7,102

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

Seniors in Sacramento have many long-term care options depending on their needs and living preferences. At $2,167 per month, adult day health care is the most affordable option. Home care and home health care rates are the same at $6,292. However, home health care includes medical services usually provided by a registered nurse or certified therapists. Assisted living communities charge approximately $5,225 monthly, which is $1,067 more than in-home care. Nursing home care is the most expensive option at $10,646 per month.

Home Care

$6,292

Home Health Care

$6,292

Adult Day Health Care

$2,167

Assisted Living

$5,225

Nursing Home Care (semi-private room)

$10,646

Financial Assistance for Home Care in Sacramento, 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 Sacramento, CA

Many free and low-cost home care resources are available to Sacramento seniors to help them age in place. Local and federal programs provide utility bill assistance, home repair and weatherization programs, meal delivery and transportation services. Seniors and their families can learn more by contacting the agencies listed below.

ResourceContactService
Area 4 Agency on Aging(916) 486-1876The Area 4 Agency on Aging helps Sacramento seniors aged 60 and older age in place safely in the comfort of their own homes. Programs and services include health insurance counseling, legal assistance, long-term care ombudsman advocacy, congregate and home-delivered meals, residential repairs and modifications and transportation. Additional resources are available for caregiver respite and support.
2-1-1 Sacramento2112-1-1 Sacramento is available 24 hours a day to provide seniors with information and referrals to several programs and services to help them continue living in their homes. Experienced operators can connect seniors with in-home care and supportive services, housing and nutritional programs, legal and advocacy services and nearby senior centers. Assistance with Medi-Cal, Medicare and social security are also available.
California Department of Community Services & Development(916) 576-7109The California Department of Community Services and Development offers several financial assistance programs to seniors and low-income individuals. The department can help with paying utility bills, food and housing costs and offers low-income home energy assistance and weatherization programs.
Ethel MacLeod Hart Senior Center(916) 808-5462Overseen by the City of Sacramento, the Ethel MacLeod Hart Senior Center provides a wide range of in-person and virtual programs and services for seniors aged 50 and older. The center offers life-enrichment classes, fitness activities and socialization opportunities. Homebound seniors can receive restaurant-prepared meals through its Great Plates Delivered 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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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

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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