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

San Jose, California is ranked in the top 20 cities for health care in Caring’s 2022 Senior Living report and will appeal to seniors who desire a quiet and relaxed city for retirement. It offers a gorgeous natural setting with the Sierra Nevada Mountains nearby, and residents can take advantage of the warm and sunny climate. San Jose is also home to several high-quality hospitals with 24-hour emergency departments, including O’Connor Hospital and Good Samaritan Hospital.

The 2021 Genworth Cost of Care Survey reports that San Jose residents pay on average $7,102 per month for home care, which provides help with daily living activities. This differs from home health care, which includes additional medical services.

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

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Paying for Home Care in San Jose, CA

The Cost of Home Care in San Jose, CA

The 2021 Genworth Cost of Care Survey found that the cost of monthly home care in San Jose is about $1,000 higher than the state average of $6,101. The nearby cities of Santa Cruz and San Francisco also have lower average home care costs than San Jose. In fact, San Jose has one of the highest average costs of home care in the state, second only to the San Luis Obispo area. Overall, California is an expensive state for care as the state average is over $1,000 more than the national average.

San Jose

$6,292

California

$6,101

The United States

$4,957

Modesto

$5,768

San Francisco

$6,864

Santa Cruz

$6,864

San Luis Obispo

$7,150

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

In San Jose, home care average monthly costs are the same as home health care costs. Unlike home care, home health care typically includes light medical services administered by registered nurses or therapists. These services may include medication administration, wound care or occupational therapy. Home care is also significantly more expensive than adult day health care by more than $5,000. Home care also costs $1,102 per month more than an assisted living facility. Nursing home care has the highest monthly cost out of all care types and is more than $4,700 more expensive than home care.

Home Care

$7,102

Home Health Care

$7,102

Adult Day Care

$1,820

Assisted Living

$6,000

Nursing Home Care (semiprivate room)

$11,863

Financial Assistance for Home Care in San Jose, 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.

San Jose Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in San Jose:

ResourceContactAddressService
Department of Aging and Adult Services (Santa Clara County)(408) 755-7600353 W. Julian St., San Jose, CA 95110The Department of Aging and Adult Services offers in-home supportive services, nutrition programs and adult protective sources to eligible seniors. It also provides support and resources for caregivers. Each program has different eligibility guidelines, but seniors who have Medicare health insurance generally qualify. The local Meals on Wheels program is managed by this department.
Farewell to Falls Program(650) 724-9369300 Pasteur Drive, Stanford, CA 94305Farewell to Falls is a free program offered to people aged 65 or older who have either recently fallen or are concerned about falls. It’s offered through the Trauma Service and Emergency Department at Stanford University Medical Center. The program focuses on fall prevention and offers tips, home safety assessments, home exercise programs and more.
Health Trust (Healthy Aging Initiative)(408) 513-87003180 Newberry Drive, Suite 200, San Jose, CA 95118This program ensures that vulnerable populations living in California’s Silicon Valley receive the services they need to stay healthy and engaged with the community. The Healthy Aging Initiative focuses primarily on services related to housing, food and chronic diseases. There are a wide range of programs in these sectors, and most people over 65 qualify. A diverse group of volunteers help to keep the program running.
R.Y.D.E. Transportation Service(408)255-803310104 Vista Drive, Cupertino, CA 95014The Reach Your Destination Easily Transportation Service offers curb-to-curb transport and local trip planning for all seniors over the age of 65. Rides should be planned in advance and are available from 8 a.m. to 12 p.m. or from 1 p.m. to 4 p.m. Monday through Friday. Fees are fixed based on the number of miles to your destination and income guidelines. Trips up to 4 miles start at 90 cents or $9 depending on income.

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.

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
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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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