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

Gilroy is a fast-growing city famous for its unique festivals, vibrant downtown district and age-friendly recreational options. It’s home to about 60,000 people, including a senior community that makes up 12% of the population. High access to affordable health care and pleasant weather throughout the year make it a popular retirement option, and community-based services and high-quality home care agencies make it possible for many seniors to remain in their homes throughout retirement. On average, seniors in Gilroy pay $7,102 per month for full-time home care, which includes nonmedical services, such as personal care, meal preparation and light housekeeping. Home health care, which is available for the same monthly rate, may be a better option for those seeking skilled nursing. 

Below we've compiled a comprehensive directory of every home care provider in the Gilroy 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 Gilroy, CA

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Paying for Home Care in Gilroy, CA

The Cost of Home Care in Gilroy, CA

In California, where home care agencies charge monthly median rates of $6,101, Gilroy is one of the most expensive places to arrange services. According to the Genworth 2021 Cost of Care Survey, in-home care costs approximately $7,102 per month in Gilroy. This is about $2,150 higher than the national average, and it’s well above regional norms. Seniors in Santa Cruz pay about $240 less for care than home care clients in Gilroy, and in Salinas, home care agencies charge about $6,673 for care. In Merced, rates average $6,288, and in Modesto, rates are about $1,300 less than in Gilroy.

Gilroy

$7,102

California

$6,101

United States

$4,957

Santa Cruz

$6,864

Modesto

$5,768

Merced

$6,288

Salinas

$6,673

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

Home care is one of the most expensive long-term care options in Gilroy, with seniors paying $7,102 per month for services. Home health care is available for the same rate and includes skilled nursing services. While this is nearly $4,800 less per month than the cost of nursing home care, seniors may save $1,100 per month by moving into an assisted living community. Adult day health care is the most cost-effective option at $1,820 per month.

Home Care

$7,102

Home Health Care

$7,102

Adult Day Health Care

$1,820

Assisted Living

$6,000

Nursing Home Facility (semiprivate room)

$11,863

Note: Data for Gilroy was unavailable, so data for the nearest city, San Jose, was used instead.

Financial Assistance for Home Care in Gilroy, 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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

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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