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

Carmichael is an attractive suburban community that’s been ranked as one of the nation’s most livable cities for older adults, according to Caring’s 2022 Senior Living Report. This thriving city in the greater Sacramento area is home to 80,000 residents, including more than 16,000 seniors. Although non-medical home care services cost $6,292 per month and are higher than the state and national averages, Carmichael offers various support services for seniors who want to remain in their own homes. Residents are a short distance from expert medical care at the Mercy San Juan Medical Center and Sacramento Medical Center. Individuals requiring medical monitoring or physical therapy can use home health care.

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

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Paying for Home Care in Carmichael, CA

The Cost of Home Care in Carmichael, CA

Home care prices in Carmichael and Greater Sacramento are about $200 higher than the state median of $6,101 and $1,335 higher than the national average of $4,957. Local rates are also higher than most neighboring cities. Vallejo and Yuba City are a few hundred dollars cheaper, and seniors in Stockton save over $800 per month. Home care prices in Napa are slightly more expensive at $6,435.

Carmichael

$6,292

California

$6,101

The United States

$4,957

Vallejo

$5,958

Stockton

$5,482

Napa

$6,435

Yuba City

$5,895

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

In Carmichael, home care and home health care prices are identical at $6,292. More advanced levels of care are available in nursing homes, but these facilities cost $10,646 per month. Assisted living costs about 50% less than nursing homes at $5,225, but residents in these facilities only receive a few hours of daily one-on-one assistance. Seniors who are comfortable traveling to a community center can join an adult day health care program for just $2,167 per month.

Home Care

$6,292

Home Health Care

$6,292

Adult Day Health

$2,167

Assisted Living

$5,225

Nursing Home Care (semiprivate room)

$10,646

Note: Data for Carmichael was unavailable, so data for the nearest city, Sacramento, was used instead.

Financial Assistance for Home Care in Carmichael, 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 Carmichael, CA

Aging in place may be your first choice, but this doesn’t mean it will be easy. If you need extra help around your home or want to apply for supportive services, such as Meals on Wheels, in-home care or accessible transportation, the following agencies can help.

ResourceContactService
Agency on Aging Area 4(916) 486-1876Your Area Agency on Aging is designed to be your first point of contact for general questions about senior services offered in Carmichael and the surrounding areas. It provides information and assistance to seniors who want to learn more about caregiver support programs, meal deliveries, home repairs and transportation.
ACC Senior Services(916) 394-6399This local nonprofit operates several full-service residential care facilities and provides several supportive services to older adults who live in Carmichael and the neighboring communities. It offers accessible rides, a friendly visitor program and assistance for seniors who need help understanding their utility bills.
Meals on Wheels by AAC(916) 444-9533Homebound seniors aged 60+ may qualify for low-cost meal deliveries through this program. You can get started by scheduling an in-home assessment. The program also offers pet food deliveries and meal enhancements. Seniors who aren’t homebound can pick up their meals at the Mission Oaks Community Center in Carmichael.
Sacramento County Assessor Homeowners' Exemption(916) 875-0700This property tax exemption is available on your primary residence, regardless of your age. The county provides a $7,000 reduction on your property's assessed value that can save you about $75 a year. Applications are due in February. Once approved, your exemption will renew annually unless you move.

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 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.

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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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