The 10 Best Home Care Agencies for Seniors in Laguna Woods, CA for 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 Laguna Woods, CA, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 63 options below.
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On this page:
- Home Care Services in Laguna Woods, California
- Paying for Home Care in Laguna Woods, CA
- Financial Assistance for Home Care in Laguna Woods, CA
- Free & Low-Cost Home Care Resources in Laguna Woods, CA
- Determining Your Loved One’s Need for In-Home Care
- Guidelines for Talking About In-Home Care
- Frequently Asked Questions
Paying for Home Care in Laguna Woods, CA
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
The Cost of Home Care vs. Other Senior Care Options in Laguna Woods, CA
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.
Home Care
$5,434
Home Health Care
$5,529
Adult Day Health
$1,647
Assisted Living
$5,000
Nursing Home Care (semi-private room)
$8,060
The Cost of Home Care vs. Other Senior Care Options in Laguna Woods, CA
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.
Home Care
$5,434
Home Health Care
$5,529
Adult Day Health
$1,647
Assisted Living
$5,000
Nursing Home Care (semi-private room)
$8,060
Financial Assistance for Home Care in Laguna Woods, 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 Laguna Woods, CA
Many seniors prefer to age in their own homes, which is why Laguna Woods offers many programs to assist. Local and federal programs offer rebates on taxes, discounted transportation services, utility help and other services that may prolong senior independence. Contact the agencies below to learn more about what’s available to Laguna Woods residents.
Resource | Contact | Service |
---|---|---|
Habitat for Humanity Home Repair | (714) 434-6200 | Habitat for Humanity is partnered with the Orange County government to offer low-income seniors and their families access to home repair services. Veterans may also qualify. Home repairs focus on three categories: health, safety and accessibility. For seniors with mobility challenges, installing grab bars and railings might be available through the program. The initial application is available online and program administrators contact qualified applicants to schedule a walk-through. |
Residential Energy Efficiency Improvement Program | (949) 639-0562 | Through funding from a Community Development Block Grant, Laguna Woods seniors can apply for up to $2,500 in assistance toward installing energy-efficient doors and windows. This program is designed to help reduce ongoing costs for heating and cooling homes for low and very low-income seniors. Income guidelines apply and seniors must make a maximum of $37,500 per year for a married couple. |
Property Tax Relief Programs | (916) 274-3350 | Laguna Woods seniors have several options when it comes to reducing the cost of property taxes. Seniors can choose to defer all property taxes until the home is sold or the title transferred, though it will create a lien on the property that must be settled at the time of transfer. Liens do come with interest charges that accrue on the total balance of property taxes due. Seniors can also apply for tax assistance from the state which allows them to receive a direct reimbursement for taxes paid on the first $34,000 of the property assessment. |
Senior Mobility Program | (949) 639-0500 | The city of Laguna Woods administers the Senior Mobility Program with funding from Orange County. This program offers seniors aged 60 and older discounts to standard taxi fares. Three programs are available with deep discounts offered for non-emergency medical transportation. |
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.
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.
Frequently Asked Questions
Reviews of Care Providers Nearby
Home Care
jomoffitt
5.0
Review of Touching Hands Care Group
We are extremely pleased with the care that Touching Hands Care Group is providing for our Mom. We have found each caregiver that has helped with Mom to be very conscientious, generous and caring....
Home Care
Annette
5.0
Review of Touching Hands Care Group
The owner of Touching Hands will come and visit you quite often and she will even escort you to doctor's appointment when it is a new doctor. That's pretty rare for someone to go out their way and...
Home Care
Gordon
5.0
Review of Touching Hands Care Group
Touching Hands Care Group did a very good job. I had one caregiver for four hours in the afternoon. They helped my wife go to the bathroom, and they did some laundry while they were there. A lady...