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

San Carlos, California, is a Bay Area city in San Mateo County. A full 15% of its 30,722 residents are 65 years of age or older, slightly higher than the statewide average of 14.8%. San Carlos’s climate features long summers and short winters, appealing to seniors seeking a warm home. The city’s residents live close to Sequoia Hospital, a source of emergency and specialty services, as well as Kaiser Permanente’s Redwood City Medical Center. In San Carlos, the average senior pays $6,864 per month for home care and $7,150 for home health care. The former is ideal for seniors seeking help with personal tasks, while the latter additionally offers limited medical assistance.

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

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Paying for Home Care in San Carlos, CA

The Cost of Home Care in San Carlos, CA

The Genworth 2021 Cost of Care Survey indicates that San Carlos’s average monthly home care rate is $6,864. That is $763 higher than the statewide median cost and $1,907 higher than the corresponding national rate. However, the difference is smaller between San Carlos and Santa Rosa, which has a median rate of $6,292. Santa Cruz’s average cost matches San Carlos’s, and San Jose’s is slightly more expensive, coming in at $7,102.

San Carlos

$6,864

California

$6,101

The United States

$4,957

Santa Rosa

$6,292

Santa Cruz

$6,864

San Jose

$7,102

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

San Carlos’s seniors have several options for living arrangements. Nursing homes are the most expensive. Semiprivate rooms cost an average of $11,566 monthly. Assisted living and home care are more affordable, at $6,319 and $6,864, respectively. For a higher average charge of $7,150 per month, home health care providers offer services such as physical therapy and skilled nursing. Adult day health care is the most cost-effective setup, with an average monthly rate of $1,950.

Home Care

$6,864

Home Health Care

$7,150

Adult Day Health Care

$1,950

Assisted Living

$6,319

Nursing Home (semiprivate room)

$11,566

Note: Data for San Carlos was unavailable, so data for the nearest city, San Francisco, was used instead.

Financial Assistance for Home Care in San Carlos, 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 San Carlos, CA

In San Carlos, several initiatives help older adults and their loved ones adjust to the changes brought on by the aging process. By contacting the programs and organizations described below, seniors can learn more about their offerings.

ResourceContactService
Meals on Wheels(650) 323-2022Peninsula Volunteers, Inc. coordinates Meals on Wheels, among other senior-focused programs, in the San Carlos area. Through Meals on Wheels, seniors and adults with disabilities can receive daily meal deliveries, plus additional food for holidays and weekends. The program focuses on serving homebound individuals. Meals on Wheels also offers ancillary services such as safety checks, health monitoring and referrals.
San Mateo County Aging and Adult Services(800) 675-8437Through Aging and Adult Services' 24-hour hotline, callers can access information on resources helpful for seniors. Aging and Adult Services also oversees the In-Home Supportive Services program, which offers assistance with meal preparation, personal care and other needs so that enrolled seniors can continue living at home. An initiative with a similar goal, the Multipurpose Senior Services Program, is available to senior Medi-Cal enrollees.
Rebuilding Together Peninsula(650) 366-6597RTP's Safe at Home program facilitates home repairs for seniors and other vulnerable populations. Its goal is to make minor repairs before defects become bigger issues. Available services include debris removal, fence repairs and maintenance tasks. Income guidelines apply. Homeowners may also be interested in the organization's National Rebuilding Day initiative, which is another avenue for accessing repairs.
Central Coast Energy Services, Inc.(888) 728-3637CCES helps low-income residents of San Mateo County cover their energy costs through the Home Energy Assistance Program and the California Alternate Rates for Energy initiative. Along with utility bill assistance, clients may also be able to access weatherization services. CCES performs weatherization for both renters and homeowners.
Peninsula Family Service(650) 780-7542Peninsula Family Service operates a resource line for seniors 60 years of age and up. This line can provide information and referrals regarding local services, including transportation- and nutrition-focused offerings. Wellness calls with peer counselors are also available through the resource line.

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.

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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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