The 5 Best Home Care Agencies for Seniors in Madera, CA for 2025

The Genworth 2021 Cost of Care Survey reports that in Madera, home care agencies charge $6,288 per month for services, which is $190 higher than the California average and $1,330 over the national median. Local care costs exceed Modesto’s median monthly rates of $5,768, and in Fresno, rates are even more competitive at $5,529. Seniors in Visalia pay about $950 less than those in Madera for nonmedical services at home, but in San Jose, care costs are considerably higher than in Madera at $7,102.

Home care clients in Madera pay $6,288 for nonmedical services, such as personal care and meal preparation, and home health care, which includes skilled nursing, although some agencies may charge more for this higher level of care. Seniors may save nearly $2,300 monthly by moving into one of the region’s assisted living facilities, and adult day health care offers a potential monthly savings of $4,200 over the cost of home care. Even so, home care is a cost-effective alternative to nursing home placement, which costs $8,730 per month.

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.