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

The city of Galt, CA, is a rustic farm community located about halfway between the state capital of Sacramento and the Central Valley Port of Stockton. Home to 25,500 people, more than 13% of Galt’s residents are seniors aged 65 and over. These seniors live in a climate that gets very little rain, no snow and lots of sunshine, making it very amenable to older adults participating in outdoor activities. Seniors also have easy access to nearby hospitals, including Methodist Hospital of Sacramento and St-Joseph’s Medical Center, which accept Medicare and offer senior health services. Home care in Galt costs an average of $5,482 and includes nonmedical caregiver support. Seniors who have more intensive medical needs may need home health care services.

Below we’ve compiled a comprehensive directory of every home care provider in the Galt 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.

Home Care Agencies in Galt, CA

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Paying for Home Care in Galt, CA

The Cost of Home Care in Galt, CA

Seniors in Galt can expect to pay approximately $5,482 a month for home care services according to the 2021 Genworth Cost of Care Survey. This is the same average cost as for home health services, which are more medically oriented. The cost of care in Galt is nearly $500 a month above the national average, but it’s close to $600 less than the average for the state of California. Other California cities show a wide variety in home care costs. San Diego, for example, averages $6,387. El Centro is as low as $3,432. In Oxnard, costs average $5,815 a month.

Galt

$5,482

California

$6,101

United States

$4,957

San Diego

$6,387

El Centro

$3,432

Oxnard

$5,815

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

Seniors can expect to pay close to $5,482 a month for both home care and home health care in Galt. This is more than $3,400 a month more than the cost of adult day health care in the region, and it’s more than $1,800 more than the cost of care in a local assisted living community. Seniors who need medically focused residential care can find a semiprivate room in a Galt nursing home for an average of $10,015 a month.

Home Care

$5,482

Home Health Care

$5,482

Adult Day Health Care

$2,058

Assisted Living

$3,649

Nursing Home Care (semiprivate room)

$10,015

Note: Data for Galt was unavailable, so data for the nearest city, Stockton, was used instead.

Financial Assistance for Home Care in Galt, 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 Galt, CA

Seniors in Galt can get free and low-cost support services from a range of local agencies. These providers are available to help seniors thrive while they age in place at home. Seniors and family members can inquire about available services by directly contacting the agencies themselves.

ResourceContactService
Meals on Wheels by ACC(916) 444-9533Meals on Wheels by ACC offers free or discounted home-delivered meal service for Galt seniors and people living with disabilities. Seniors aged 55 and over can sign up for this service through the local Area Agency on Aging, which also provides daily check-in service.
Salvation Army's SMUD Assistance Program(800) 728-7825The Salvation Army's SMUD Assistance program helps low-income seniors in Galt cover some of the cost for their heating and cooling bills. Seniors who meet the program's income and asset guidelines may be able to get discounted monthly bills, assistance with weatherproofing and insulation and home modifications for increased mobility.
Capital Pro Bono Center(916) 551-2102Capital Pro Bono is a Sacramento-based legal aid and nonprofit legal help center that assists low-income seniors with various noncriminal legal matters. Lawyers at the center can assist with estate planning, execution of wills and trusts and give unbiased advice to help seniors deal with civil and family law issues.
Galt Senior Resource Center(209) 294-3308The Galt Senior Resource Center serves the city's seniors with a range of social programs, classes and public facilities. Congregate meals are served daily, and the center offers complimentary shuttle service to and from the site for scheduled events. Transportation assistance is also available for limited medical and personal trips.
Galt Dial-a-Ride(209) 745-3052Galt Dial-a-Ride connects the city's seniors and adults with disabilities to the surrounding communities with discounted fares and scheduled ride service. Door-to-door service is available by prior arrangement, and seniors with low incomes may be able to get discounted or free transportation for qualifying trips.

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.

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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.  

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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

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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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