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

Los Gatos is a town of about 33,000 people in Central California. Of its residents, one in five are at retirement age — a large percentage compared to the percentage of seniors in the state and the nation as a whole. The town is a prime retirement option for seniors seeking a safe community, pleasant weather and high access to health care. There are approximately 257 doctors per capita, about 20% more than a typical U.S. city, and El Camino Health is located within the town limits.

According to the Genworth 2021 Cost of Care Survey, seniors in Los Gatos pay $6,864 per month for basic home care services, such as help with bathing and dressing, light housekeeping and meal preparation. For older adults seeking skilled nursing services, home health care is the better option. This type of care is typically administered by licensed nurses or physical therapists, and it has a slightly higher monthly cost.

Below we’ve compiled a comprehensive directory of every home care provider in Los Gatos– 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.

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Home Care Agencies in Los Gatos, CA

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Paying for Home Care in Los Gatos, CA

The Cost of Home Care in Los Gatos, CA

In Los Gatos, home care rates are relatively high at $6,864, according to the Genworth 2021 Cost of Care Survey, exceeding the state median of $6,101 and the national average of $4,957. While in-home care costs in San Jose are higher than in Los Gatos at $7,102, most other surveyed cities in Central California are comparatively affordable. In Merced, rates are about $600 less per month at $6,288. In Modesto and Stockton, care costs are about $1,000 less than in Los Gatos, at $5,768 and $5,482, respectively.

Los Gatos

$6,864

California

$6,101

The United States

$4,957

San Jose

$7,102

Modesto

$5,768

Stockton

$5,482

Merced

$6,288

The Cost of Home Care vs. Other Senior Care Options in Los Gatos, CA

Home care agencies in Los Gatos charge $6,864 per month for basic tasks such as light housekeeping and laundry, meal planning and preparation, and personal care. Home health care, which includes skilled nursing services such as wound care, administering medications and taking vital signs, is a little costlier at $7,007. Assisted living facilities may be an affordable alternative to home care, with rates averaging $5,550. Nursing home costs exceed home care rates by several thousand dollars per month at $10,646 for shared rooms. 

Home Care

$6,864

Home Health Care

$7,007

Assisted Living

$5,550

Nursing Home Care (semiprivate room)

$10,646

Note: Data for Los Gatos was unavailable, so data for the nearest city, Santa Cruz, was used instead.

Financial Assistance for Home Care in Los Gatos, 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.

Los Gatos Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Los Gatos:

ResourceContactAddressService
Farewell to Falls Program(650) 724-9369300 Pasteur Dr., Stanford, CA 94305This program run by the Stanford University Trauma Center provides free training in fall prevention to seniors 65 years or older living independently in Santa Clara or San Mateo Counties. An occupational therapist performs two home visits to complete a home safety assessment, collectss information about the client’s health history and a list of medications for pharmacist review, and provide a balance and mobility assessment and a half-hour exercise regimen.
Heart of the Valley Services for Seniors(408) 241-15711550 El Camino Real, Santa Clara, CA 95050This volunteer-run nonprofit organization helps seniors 65 years and older in West Santa Clara County to remain independent in their own homes. Free services include transportation, handyman services, light yard work, assistance with paperwork and reading, computer help, visitation and pet care. Donations are suggested, and volunteers provide referrals for services they are unable to accommodate.
Rebuilding Together Silicon Valley(408) 578-95191701 South 7th St. #10, San Jose CA, 95112Rebuilding Together provides free home repair and accessibility modifications to low-income homeowners. The Critical Repair Program repairs problems with the roof, heating, plumbing and electrical system and other issues that might make a home uninhabitable. The Safe at Home program is available to homeowners with an income below 80% of the area median income to correct issues that pose a safety risk.
Sacred Heart Community Service(408) 278-21601381 South First St., San Jose, CA 95110Sacred Heart Community Service is a nonprofit organization that offers services to low-income community members. Programs include assistance with utility bills and rent, food pantries, public benefits education and tax preparation. The organization also hosts the United Seniors Action Committee, which advocates for the needs of seniors.
Senior Nutrition Program (SNP)(408) 975-4860353 West Julian St., San Jose, CA 95110Santa Clara County partners with cities and community organizations to run SNP and provide meals to seniors 60 years and older at more than 40 dining locations throughout the county, as well as home deliveries for homebound seniors. Meals are provided at no cost, with a suggested $3 donation, and may be able to accommodate special diets. Low-income seniors who are registered with SNP may also qualify for transportation assistance in the form of monthly bus passes, gas cards or subsidized paratransit rides.

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.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

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.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs
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The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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