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

Last Updated: June 5, 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 Madera, CA, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 19 options below.

Home Care Services in Madera, California

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On this page:

  • Home Care Services in Madera, California
  • Paying for Home Care in Madera, CA
  • Financial Assistance for Home Care in Madera, CA
  • Frequently Asked Questions

Paying for Home Care in Madera, CA

The Cost of Home Care in Madera, CA

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.

Madera

$6,288

California

$6,101

United States

$4,957

Fresno

$5,529

Visalia

$5,339

Modesto

$5,768

San Jose

$7,102

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

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.

Home Care

$6,288

Home Health Care

$6,288

Adult Day Health Care

$2,074

Assisted Living

$4,000

Nursing Home Facility (semiprivate room)

$8,730

Note: Data for Madera was unavailable, so data for the nearest city, Merced, was used instead.

Financial Assistance for Home Care in Madera, 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 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.

Frequently Asked Questions

Reviews of Communities Nearby

Home Care

Cindy

I am a current client of this provider

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In Home Care near Madera, CA

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Other Options in Madera, CA

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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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