The Best Home Care Agencies for Seniors in Mountain View, CA for 2025

Based on data in the Genworth 2021 Cost of Care Survey, assisted living rates in Mountain View are relatively high at $6,864 per month. This is about $760 higher than the California norm, and it exceeds the national average by nearly $2,000. Local care costs are competitive compared to rates in San Jose, where seniors pay $7,102 for care. However, in Napa, agencies charge $6,435 per month for care, and in Santa Rosa and Vallejo, respective monthly rates come in at $6,292 and $5,958.

Compared to other senior care options in Mountain View, in-home care is moderately priced at $6,864 per month. This is several hundred dollars less than the cost of home health care, which provides skilled nursing for $7,150 per month, and it offers a potential monthly savings of $4,700 over the cost of nursing home care. Seniors in assisted living pay about $500 less for services than those who get private care at home, and those who attend adult day health care pay $1,950 per month.

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.