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

At a monthly average of $6,387, home care in Chula Vista and other San Diego suburbs is more expensive than the national average of $4,957 but is only slightly higher than the statewide average of $6,101. Home care costs dip to $5,911 in California’s largest metropolitan area of Los Angeles, but the most affordable home care costs are found near the Arizona border in El Centro at $3,432. Central Valley residents in Fresno pay a monthly average of 5,529. The highest home care costs in California are in San Jose with an average of $7,102 per month.

At a monthly average of $9,384 for shared accommodations, nursing homes provide the least affordable senior care in Chula Vista. Residents of assisted living communities pay an average of $5,475, while those who opt for adult day health care, which is available at community centers and other designated locations, pay an average of $2,058. Those using home health care services in Chula Vista pay an average of $6,473 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 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.