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

Last Updated: June 5, 2024 - Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Cupertino, CA, residents and their loved ones rate In Home Care agencies across the 73 options below.

Home Care Agencies in Cupertino, CA

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Paying for Home Care in Cupertino, CA

The Cost of Home Care in Cupertino, California

The 2021 Genworth Cost of Care Survey reveals that Cupertino seniors pay approximately $764 more per month for home care services than the average Californian. This figure rises to $1,907 compared to the U.S. average. Comparisons with nearby cities are mixed, with some paying similar costs, such as San Francisco ($6,864) and others paying significantly more, including San Jose ($7,102). Inland cities are often more affordable, such as Modesto ($5,768), although some coastal cities compete, including Salinas ($6,673). 

Cupertino

$6,864

California

$6,101

The United States

$4,957

San Jose

$7,102

Modesto

$5,768

Salinas

$6,673

San Francisco

$6,864

The Cost of Home Care vs. Other Senior Care Options in Cupertino, California

Home health care agencies typically charge $143 more per month than home care agencies, which reflects the medical services typically provided by registered nurses and/or therapists. Assisted living is the most affordable care with accommodation, at $5,550, and nursing home care is the costliest, at $10,646. The Genworth survey doesn’t include a median fee for adult day care in Cupertino, but the state average of $1,842 per month should indicate an approximate cost. 

Home Care

$6,864

Home Health Care

$7,007

Assisted Living

$5,550

Nursing Home (semiprivate room)

$10,646

Note: Data for Cupertino was unavailable, so data for the nearest city, Santa Cruz, was used instead. 

Financial Assistance for Home Care in Cupertino, 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 Cupertino, CA

Seniors residing at home in Cupertino can receive help from numerous nonprofit organizations committed to supporting its older residents. Those listed here can make critical home repairs, reduce property taxes, deliver healthy food weekly and make utility bills more affordable.

ResourceContactService
Critical Repair Program(408) 578-9519Rebuilding Together is a network of volunteers who provide critical repairs to properties at risk of becoming uninhabitable. To qualify for assistance, the homeowner's gross household income shouldn't exceed the limits for its size. Repairs include roofing, electricals, plumbing, water heaters and heating equipment.
Utility Bill Assistance(877) 278-6455Sacred Heart Community Services provides essential services to low-income Santa Clara residents. Its Home Energy Assistance Program offers non-emergency support once a year to households struggling to pay energy bills and its Low-income Household Water Assistance Program helps those with incomes less than 60% of the state median income pay water bills.
Meals on Wheels(408) 350-3200Sourcewise is a multi-resource nonprofit dedicated to helping Santa Clara County's most needy residents. Its Meals on Wheels program delivers seven breakfasts and lunches/dinners weekly to seniors. All meals are frozen and microwaveable, although deliveries also include fresh milk, fruit and bread. The organization can also loan microwaves.
Property Tax Exemptions(408) 299-6460Santa Clara County's Property Tax Exemption Unit can help homeowners benefit from tax reductions of $7,000 on their property's assessed value, resulting in annual savings of around $70. It can also help some vets get the Disabled Veteran Property Tax Exemption to reduce their property's assessed value up to $100,000.
Cupertino Senior Center(408) 777-3150Cupertino Senior Center provides stimulating activities to adults aged 50+, including arts, dance, language and technology classes and fitness programs. The center's social program includes bingo, congregate lunches, softball and ballroom dancing. Frequent group trips include the Grand Canyon, Washington, D.C. and New England.

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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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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