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

Listed among the best places to retire in Caring’s Senior Living Report, Belmont, California, attracts seniors looking for a safe, warm location and a combination of an urban and suburban feel with access to a natural environment and a variety of cultural attractions. Belmont is located in San Mateo County, which is situated on the San Francisco Bay’s west side. The 2021 Genworth Cost of Care Survey reports that residents pay an average of $6,864 per month for home care services. Home care differs from home health care because it does not include medical services. Belmont is near some of the nation’s best medical facilities, including Kaiser Permanente San Mateo Medical Offices, the Stroke Center, Mills-Peninsula Medical Center, UCSF Medical CenterZuckerberg San Francisco General and Sequoia Hospital.

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

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Paying for Home Care in Belmont, CA

The Cost of Home Care in Belmont, CA

Data from Genworth’s 2021 Cost of Care Survey shows that home care costs in Belmont are about $1,907 higher than the U.S. median of $4,957 and $763 higher than the state median of $6,101. This makes Belmont one of the region’s most expensive locations for in-home care. Seniors in San Francisco and Oakland pay the same. In San Jose, seniors pay more than $7,102 per month, an increase of approximately $238 per month. Marin County, which includes San Jose, San Luis Obispo, Santa Cruz, and Napa, is the state’s most expensive area. Over 200 miles from Belmont in Bakersfield, seniors pay less for monthly home care costs at $5,506.

Belmont

$6,864

California

$6,101

United States

$4,957

Oakland

$6,864

San Jose

$7,102

Bakersfield

$5,506

The Cost of Home Care vs. Other Senior Care Options

Seniors pay $6,319 for assisted living in Belmont. For in-home care and home health care, seniors pay $6,864 and $7,150 per month respectively. At over $11,000, the cost for nursing homes is roughly $2,500 more than a private room. Home Health Care is approximately $1,000 more than assisted living care. Adult Day Health Care is by far the lowest care option at $1,950 per month. 

In-Home Care

$6,864

Home Health Care

$7,150

Adult Day Health Care

$1,950

Assisted Living Facility

$6,319

Nursing Home Facility (semiprivate room)

$11,566

Note: Care cost data for Belmont was unavailable, so data for the closest city, San Francisco, was used instead.

Financial Assistance for Home Care in Belmont, 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 Belmont, CA

Seniors in Belmont have access to several resources designed to help them maintain their independence. Local, federal and nonprofit programs provide transportation, home-delivered meals, health and well-being, property-tax postponement, legal assistance, and other related services. Families can learn more by contacting the agencies below. 

ResourceContactService
San Mateo County’s Nutrition Programs for Older Adults (650) 595-7444San Mateo County’s Nutrition Programs for Older Adults provide a meal delivery service to seniors aging in place and senior centers. Services are available to individuals 60 and over and their spouses regardless of age. For seniors who live in Belmont, the Twin Pines Senior and Community Center offers a “Grab and Go Lunch” for a $5 donation. Reservations are required for two meals per day. There’s a dine-in option available on Wednesdays, but it’s first-come, first-served and limited to 20 people.
The State Controller’s Property Tax Postponement Program(800) 952-5661The State Controller’s Property Tax Postponement Program offers seniors 62 and older who have a disability opportunities to defer current-year property taxes on their principal residences if they have 40 percent equity in their homes and an annual household income of $35,500 or less. Participating seniors must not have a reverse mortgage on their property.
Rebuilding Together(415) 905-1611Rebuilding Together is a national nonprofit organization with a local affiliate in San Mateo County. The Rebuilding Together’s Safe at Home in Action program offers veterans and their families fire and fall prevention strategies, accessibility modifications and minor home repairs such as tubs and showers, interior and exterior lighting, raised toilets, ramps, and more.
California Bar Foundation - Legal Issues & Resources for Seniors(866) 442-2529The California Bar Foundation - Legal Issues & Resources for Seniors provides free legal services to seniors 60 and older. For answers to frequently asked questions on financial, housing, employment, health care, estate planning, and other issues relating to seniors, the California Bar Foundation offers a helpful online guide.
Friendship Line California(888) 670-1360Friendship Line California is a free crisis intervention hotline that provides non-emergency emotional support. The hotline offers friendly compassion and a sense of connection for seniors 60 and over

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.

Download
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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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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