The 10 Best Home Care Agencies for Seniors in Alameda, CA for 2025

Like other communities in the San Francisco Bay Area, the average cost of home care in Alameda is $6,864 per month. This is nearly $2,000 higher than the national average and over $700 higher than the statewide average of $6,101. Home care costs are about $238 higher in nearby San Jose, but drop about $572 in Sacramento. Modesto is also less expensive than Alameda by about $1,096. The most affordable home care costs within the state are found in the Southern California community of El Centro. 

The least affordable senior care option in Alameda is nursing home care, which costs an average of $11,566 per month for a shared room. Assisted living averages about $545 less than home care. Those choosing home health care pay about $286 more than home care, but have the benefit of some additional medical services. Adult day health care is the least expensive, although this service is available outside the home and is typically only offered Monday through Friday during the day. 

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.