The 10 Best Home Care Agencies for Seniors in Laguna Woods, CA for 2025

The Genworth 2020 Cost of Care Survey lists Laguna Woods home care costs at $5,434 per month or about $950 more than the national and state medians for the same care. While the cost of home care is high compared to the state as a whole, Laguna Woods costs are comparable or on the low end for similar areas. In San Diego, seniors pay approximately $280 more than in Laguna Woods, while San Francisco residents pay nearly $670 more. Bakersfield is one of the few more populated areas where home care is available for less at about $360 less than in Laguna Woods, a Los Angeles suburb. 

Laguna Woods

California

United States

San Diego

Bakersfield

San Francisco

Seniors can choose between several types of long-term care, depending on their needs. The most affordable option is adult day health care, which has a median cost of $1,647. Home care costs $5,434 per month and includes personal care, while home health care averages $5,529 per month but includes basic medical care. Assisted living is slightly more affordable at $5,000 per month. Nursing home care is the most expensive and offers the most comprehensive care at $8,060 per month. 

Seniors can choose between several types of long-term care, depending on their needs. The most affordable option is adult day health care, which has a median cost of $1,647. Home care costs $5,434 per month and includes personal care, while home health care averages $5,529 per month but includes basic medical care. Assisted living is slightly more affordable at $5,000 per month. Nursing home care is the most expensive and offers the most comprehensive care at $8,060 per month. 

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.