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

Just 30 minutes from the Mexican border, Chula Vista, CA, is ranked by Caring.com’s Senior Living Report among the best communities in California. The city has a very low crime rate and a nearly ideal climate with plenty of warm, sunny days that provide a great environment for retirees who want to enjoy outdoor activities year-round. Community amenities include Sharp Chula Vista Medical Center.

Seniors who choose to age in place in Chula Vista have several care options available, including home care and home health care. Home care services provide assistance with routine household tasks and may include help with basic personal care, whereas home health care is for those who need clinical services to be performed in the home and is provided by licensed professionals. The average cost of home health care in Chula Vista is $6,387 per month, according to the 2021 Genworth Cost of Care Survey.

Below we’ve compiled a comprehensive directory of every home care provider in Chula Vista– 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.

Home Care Agencies in Chula Vista, CA

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Paying for Home Care in Chula Vista, CA

The Cost of Home Care in Chula Vista, CA

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.

Chula Vista

$6,387

California

$6,101

United States

$4,957

El Centro

$3,432

Fresno

$5,529

San Jose

$7,102

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

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. 

Home Care

$6,387

Home Health Care

$6,473

Adult Day Health Care

$2,058

Assisted Living Facility

$5,475

Nursing Home Facility (semiprivate room)

$9,384

Note: Data for Chula Vista was unavailable, so data for the nearest city, San Diego, was used instead.

Financial Assistance for Home Care in Chula Vista, 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.

Chula Vista Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Chula Vista:

ResourceContactAddressService
Aging and Independence Services(800) 339-46611600 Pacific Highway, Room 206, San Diego, CA 92101Aging and Independence Services is dedicated to building age-friendly communities and managing services that help area seniors age in place and avoid institutionalization. In addition to supporting meal deliveries and nutrition programs, it helps seniors apply for In-Home Supportive Services, which provides aides to help with bathing, dressing, shopping and other daily activities.
Meals on Wheels San Diego County – South County Center(619) 420-2782270 F St., Suite 22, Chula Vista, CA 91910Meals on Wheels San Diego County delivers low-cost meals to seniors aged 60 and older, disabled veterans and caretakers. The program provides lunch, dinner and beverages six days a week, including holidays. Lunch- or dinner-only plans are available as are frozen meal packages. It also offers Latino fare and options for special diets. Daily meal service costs $7, and there’s a $35 sign-up fee. Food stamps are accepted.
Chula Vista Development Services Department(619) 691-5047276 Fourth Ave., Chula Vista, CA 91910The Western Chula Vista Rehabilitation Program provides no- and low-interest loans for home repairs and upgrades valued at up to $25,000. Homeowners must earn no more than 50% or 80% of the area median income. The Development Services Department also offers information about weatherization services and utility bill discounts offered by MAAC and San Diego Gas & Electric.
Rebuilding Together San Diego(619) 231-78732013 Franklin Ave., San Diego, CA 92113Rebuilding Together San Diego offers two home repair and maintenance programs that benefit low-income seniors, veterans and disabled adults. Held every April, Annual Rebuilding Day offers free upgrades and home repairs, including plumbing, carpentry, painting, electrical and yard work. Safe at Home is available year-round and is designed to help seniors with accessibility issues and repairs valued at $250 or less.
San Diego County Property Tax Relief for Seniors and Disabled(619) 531-54811600 Pacific Highway, Suite 109, San Diego, CA 92101Seniors in Chula Vista qualify for a standard $7,000 homeowners’ exemption on their primary residences. Individuals and couples aged 55 and older qualify for a reappraisal exclusion that allows them to transfer the value of their current residence to a new property to prevent rate increases. Additionally, the California State Controller offers a property tax postponement program to seniors and disabled adults who earn no more than $45,810 and have at least 40% equity.

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 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.

Download
Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs
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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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