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

Cameron Park is a city near Sacramento with approximately 19,000 people, 23% of whom are aged 65 and older. Summers are hot with average July highs around 92, and winters are mild with January lows around 37, which is ideal for seniors who want to escape the cold.

Seniors who choose to age in place in Cameron Park have access to several quality hospitals, including El Dorado Community Health Center and Mercy Medical. Mercy Medical provides treatment for conditions such as heart and cardiovascular issues, diabetes, cancer and orthopedics. Home care costs around $5,863 per month.

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

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Paying for Home Care in Cameron Park, CA

The Cost of Home Care in Cameron Park, CA

According to the 2020 Genworth Cost of Care Survey, home care in Cameron Park is $5,863 per month. It is $334 more than the state median and $1,382 more than the national average. Home care in cities throughout the state vary greatly, including $5,386 per month in Redding and $6,292 in Santa Cruz. Seniors in Los Angeles and San Diego pay $5,434 and $5,716, respectively.

Cameron Park

$5,863

California

$5,529

United States

$4,481

Redding

$5,386

Santa Cruz

$6,292

Los Angeles

$5,434

San Diego

$5,716

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

Seniors have a choice of several different home care options, which have different costs depending on the level of care. Those who prefer to remain in their homes can choose from home care and home health, which both cost $5,863 per month. Adult day health provides care during the day and is the least expensive option at $1,918. An assisted living community is around $5,395 per month and a nursing home, which provides the most comprehensive level of care is around $9,946 per month.

Home Care

$5,863

Home Health Care

$5,863

Adult Day Health

$1,918

Assisted Living

$5,395

Nursing Home Care (Semiprivate room)

$9,946

Financial Assistance for Home Care in Cameron Park, 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 Cameron Park, CA

Cameron Park seniors who choose to age in place have many resources to help them remain independent as long as possible. These resources include nutrition, help with energy bills and transportation. 

ResourceContactService
El Dorado County Senior Centers(530) 631-6150The three specialized senior centers in El Dorado County are Placerville Senior Center, El Dorado Hills Senior Center and South Lake Tahoe Senior Center. Activities and programs that help improve the lives of individuals aged 60 and older include card games, board games, dancing, health and fitness, arts and crafts and classes.
El Dorado County Senior Nutrition(530) 621-6160El Dorado Senior Nutrition helps fight hunger through meal delivery and picked-up meals. Volunteers deliver meals to those 60 and older and provide companionship and wellness checks.
Family Caregiver Support Program(530) 621-6151El Dorado County offers respite care to give caregivers a break from their responsibilities. The program offers support groups, education and training and information and referrals.
El Dorado County Home Weatherization(530) 573-3490The home weatherization program helps low-income seniors and families reduce their energy bills by locating and repairing efficiency problems. Services include door replacement and repair, smoke alarm installation, duct repair and replacement, heating and furnace replacement and insulation installation.
El Dorado Home Energy Assistance Program (HEAP)(530) 621-6150HEAP helps seniors aged 60 and older pay for heating and cooling bills. The program makes a one-time payment that covers an entire season, most often offered during the colder months when there’s a threat of disconnection.

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 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.  

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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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