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

The coastal city of Marina, CA, offers parks, beaches and cultural amenities, making it a popular retirement destination in Central California. It’s very mild weather, which has daytime temperatures ranging from 60 degrees in the winter to 70 degrees in the summer, benefits seniors who are sensitive to very cold or very warm conditions, and modest crime rates may appeal to those who live alone. The city also has several home care agencies that support seniors, an age group that accounts for 15% of its 22,000 residents. On average, seniors pay $6,864 per month for home care. This type of care includes nonmedical personal care services and is different from home health care, which includes skilled nursing.

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

According to the Genworth 2021 Cost of Care Survey, seniors in Marina pay monthly home care rates of $6,864. This is over $750 higher than California’s average rate of $6,101, and it exceeds the national average of $4,957 by about $1,900. Rates are slightly higher than the average in Merced, where home care agencies charge $6,288 for care, and in Modesto, care costs are about $1,100 lower at $5,768. In Stockton, care costs are about $1,400 lower than in Marina, but in San Jose, rates are over $200 higher at $7,102. 

In Marina, home care is moderately priced compared to other long-term care options, with agencies charging monthly rates of $6,864. Home health care, which is similar but offers skilled nursing services, such as medication administration and wound care, costs a little more at $7,007. While nursing home care is considerably costlier with base rates at $10,646, assisted living costs about $1,300 less than home care at $5,550 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 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.