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

The Genworth 2021 Cost of Care Survey indicates that, based on rates in nearby Sacramento, Lincoln is a relatively costly place to obtain in-home care, with monthly rates exceeding state and national norms at $6,292. In Napa, care costs are about $150 more, but in most other Central California cities, rates are more affordable. Seniors in Vallejo and Yuba City pay about $350 less for home care than those in Lincoln. In Stockton, seniors pay about $800 less per month for services. 

Home care agencies in Lincoln charge $6,292 per month for nonmedical care, which may include services such as meal preparation and help with dressing. Home health care agencies charge the same monthly rate for skilled nursing services, and those who obtain skilled nursing services and personal care through adult day health care pay about $4,000 less per month. Seniors may say about $1,000 by opting for assisted living over home care, but nursing home rates are over $4,000 more. 

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.