The Best Home Care Agencies for Seniors in Cupertino, CA for 2025

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). 

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. 

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.