The 10 Best Home Care Agencies for Seniors in Lomita, 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 Lomita, CA, residents and their loved ones rate In Home Care agencies across the 44 options below.
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Paying for Home Care in Lomita, CA
The Cost of Home Care in Lomita, CA
According to the Genworth 2021 Cost of Care Survey, the average cost of home care services in Lomita is $5,911 per month, $190 lower than the state average of $6,101 but higher than the national average of $4,957. In San Diego, home care is substantially more expensive at $6,387 per month. Prices in Oxnard are slightly lower at $5,815 per month. Costs are much higher in Santa Maria, where one month of home care averages $6,673. The inland city of El Centro offers one of the lowest prices in California at $3,432.
Lomita
$5,911
California
$6,101
The United States
$4,957
San Diego
$6,387
Oxnard
$5,815
El Centro
$3,432
Santa Maria
$6,673
The Cost of Home Care vs. Other Senior Care Options in Lomita, CA
Many long-term care options are available to seniors in Lomita. At $1,652 per month on average, adult day health care is the most affordable choice. Home care and home health care cost the same at $5,911 per month. While home care focuses on personal care, home health care provides medical services typically delivered by registered nurses or therapists. Assisted living is slightly cheaper at $5,250 per month. Averaging $9,125 per month, nursing home care is the most expensive option.
Home Care
$5,911
Home Health Care
$5,911
Adult Day Health
$1,652
Assisted Living Facility
$5,250
Nursing Home Facility (semiprivate room)
$9,125
Note: Data for Lomita was unavailable, so data for the nearest city, Los Angeles, was used instead.
Financial Assistance for Home Care in Lomita, 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 Lomita, CA
Many free and low-cost resources, such as home repair aids, transportation assistance, home-delivered meals and legal aids, are available to help older adults in Lomita live independently and age in place.
Resource | Contact | Service |
---|---|---|
Los Angeles County Department Of Workforce Development, Aging and Community Services | (888) 211-0644 | As the Area Agency On Aging serving Los Angeles County, this department offers numerous programs for older residents, including the Elderly Nutritional Program, Calfresh Healthy Living, Linkages Program, Supportive Services Program, Health Insurance Counseling & Advocacy Program and Traditional Legal Assistance Program. |
LA County Senior Community Service Employment Program | (213) 351-5388 | This program provides subsidized part-time work-based training opportunities for older adults over 55 who are unemployed or on a low income. Services include regular assessments, skills enhancement, job search assistance and counseling, free physical examinations and case management. Seniors can train up to 20 hours per week and are paid the prevailing minimum wage. |
Lomita Dial-a-Ride | (310) 325-7110 ext. 102 | Sponsored by the Lomita City government, this program offers subsidized round-the-clock taxicab service to seniors 65 and older. Each approved participant gets a swipe card to pay for the service, with each one-way trip within the designated service area costing $1.00. |
The City of Lomita | (310) 325-7110 | The City of Lomita Parks and Recreation Division offers exercise classes designed for seniors, such as chair yoga, balance and memory, strength training, cardio salsa dance and gentle yoga. Seniors can also join the Lomita Goodtimers Senior Citizen Club for weekly bingo and other social activities. It meets in the Tom Rico Center at Lomita Park every Thursday. |
Habitat for Humanity of Greater Los Angeles | (310) 323-4663 | Seniors on low incomes can get free home repairs worth up to $20,000 to address health, safety and security issues in their homes or improve energy efficiency. Disaster relief and counseling on home maintenance, insurance and estate planning are also available. |
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.