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

Situated in the heart of California’s San Joaquin Valley less than half an hour southwest of Stockton, Tracy offers a warm, pleasant climate with less-than-average rainfall and plenty of natural beauty. Approximately 9.2% of Tracy’s overall population of a little over 95,000 people is aged 65 or over, which is significantly lower than the national average of 16.8%.  Sutter Tracy Community Hospital is a state-of-the-art medical facility providing full-service care in Tracy and surrounding communities, and those who need highly specialized care can find it in nearby Sacramento.

Residents of Tracy who use home care services pay an average monthly cost of $5,482, according to the 2021 Genworth Cost of Care Survey. This is the same cost as home health care, but the services are not the same. Home care entails help with daily living tasks, such as getting dressed, meal preparation and grocery shopping, while home health care aides provide licensed care such as skilled nursing and physical therapy.

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

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Paying for Home Care in Tracy, CA

The Cost of Home Care in Tracy, CA

Tracy and other communities in the Stockton Metro Area pay an average of $5,482 per month for home care. This is several hundred dollars more than the national average of $4,957, but less than the California statewide average of $6,101. Residents of San Jose pay the most for home care at $7,102 per month, while their counterparts in California’s capital, Sacramento, pay an average of $6,292. The most affordable California community for home care is Visalia, at $5,339 per month. Along the southern coast in San Diego, residents pay $6,387.

Tracy

$5,482

California

$6,101

United States

$4,957

San Jose

$7,102

Sacramento

$6,292

Visalia

$5,339

San Diego

$6,387

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

Home care and home health care, which involves light clinical services such as physical and occupational therapy, are the most expensive senior care options in Tracy — with the exception of nursing home care, which averages $10,015 per month for semiprivate accommodations. Adult day health care is the most affordable at a monthly average of $2,058, but this approach is best for those with in-home caregivers available on nights and weekends. Residents of assisted living communities in Tracy typically pay $3,649 per month. 

Home Care

$5,482

Home Health Care

$5,482

Adult Day Health Care

$2,058

Assisted Living Facility

$3,649

Nursing Home Facility (semiprivate room)

$10,015

Note: Data for Tracy was unavailable, so data for the nearest city, Stockton, was used instead.

Financial Assistance for Home Care in Tracy, 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.

Tracy 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 Tracy:

ResourceContactAddressService
Home Energy Assistance Program(209) 468-1500333 E. Washington St., Stockton, CA 95202The Home Energy Assistance Program is run by the San Joaquin County Human Services Agency. The program offers income-eligible residents a credit on their utility bills and information about ways to reduce their energy usage and keep their spending at a manageable level. Priority is given to households with residents over the age of 60 or under the age of 5 and those with a high energy burden.
Weatherization Program(209) 953-7283333 E. Washington St., Stockton, CA 95202The Weatherization Program is funded by the federal government and the State of California. The program assists low-income renters and homeowners by installing energy-saving devices to help residents reduce their monthly energy costs. Priority is given to seniors and families with young children. There’s no charge for these services, but income guidelines apply. Services offered may include the repair or replacement of refrigerators, water heaters, stoves, washing machines and dryers. Additional services include minor home repairs, weather stripping and the installation of LED lights and shade screens.
Lolly Hansen Senior Center(209) 831-6240375 E. 9th St., Tracy, CA 95376The Lolly Hansen Senior Center is operated by the City of Tracy and offers a range of classes and activities for seniors aged 50 and over. Activities include tai chi, fitness classes, bingo, musical entertainment, computer courses and outings to local attractions. A congregate meal is provided at lunchtime each day. A small donation is recommended, but no senior is turned away if they cannot contribute. Additionally, the center hosts a farmers market where seniors can utilize food vouchers, and it operates a brown bag program to provide basic food items to seniors in need.
Catholic Charities Senior Services(209) 444-59001106 N. El Dorado St., Stockton, CA 95202The Catholic Charities of Stockton provides a range of services to assist seniors in the area. All services are provided by volunteers. Although there’s no charge, donations are appreciated. Services offered include transportation to medical appointments and grocery stores and assistance with light housekeeping, meal preparation and running errands. It also employs a case management team and long-term care ombudsman.

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 in-home care
Checklist for determining the need for in-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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