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

Lompoc is located in Central California and has about 44,000 people. While its senior community is relatively small, with just over 11% of residents aged 65 and over, the city has numerous benefits that make it a good option for retirees. It’s one of the cheapest places to live in California, which may help seniors maintain their standard of living on a fixed income. Health care is accessible and affordable, and high-performing hospitals such as Lompoc Valley Medical Center provide a range of primary and specialty services. Home care, which includes non-medical services at home, is very costly at $6,673 monthly. For seniors who need skilled nursing, home health care may be the better option.

Below we’ve compiled a comprehensive directory of every home care provider in the Lompoc 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.

The 2021 Genworth Cost of Care Survey shows that seniors in Lompoc pay $6,673 per month for in-home care, which is hundreds of dollars higher than the California norm of $6,101 and about $1,700 higher than the national average of $4,957. Rates are competitive in most surrounding cities, including Bakersfield, where care costs are over $1,000 less at $5,506. This also includes Oxnard and Los Angeles, where respective fees average $5,815 and $5,911. In San Luis Obispo, home care agencies charge much higher rates of $7,150. 

In Lompoc, seniors pay $6,673 per month for home care, which includes non-medical assistance, and for home health care, which features skilled nursing services. This is considerably costlier than assisted living, which averages $5,300 per month. However, it’s an affordable alternative to nursing home care, which costs $10,737 per month for shared accommodations. 

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.