The Best Home Care Agencies for Seniors in Los Osos, CA for 2025

The median monthly fee for home care in Los Osos is $7,150. Although not the costliest in California, it is higher than the state average of $6,101 and much more expensive than the national average of $4,957. Compared to the towns and cities nearby, Los Osos is at the high end of the spectrum. Santa Maria comes closest, but its median fee is still $477 less per month, while Oxnard offers a savings of $1,335. Greater savings are possible if moving inland. Seniors can save $1,644 in Bakersfield and $1,811 in Visalia.

The median monthly fee for home care in Los Osos is $7,150. Home health care also averages the same monthly fee, despite providing limited medical care from registered nurses and licensed physicians. Assisted living is more affordable, at $5,300 per month, but it requires relocating to a residential facility. A semiprivate room in a nursing home will cost around $10,038 per month. This is the costliest option, which reflects the higher level of medical care provided around the clock.

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.