The 10 Best In-Home Care Services in Marina, CA for 2023
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.
Directory of Home Care Services in Marina, CA
Right at Home Santa Cruz and Monterey Bay, CA
9057A Soquel Dr, Ste D, Aptos, CA, 95003
Home Care Solutions LLC – Salinas, CA
955 Rogge Road , Salinas, CA, 93906
Victorian Home Care – Monterey
409 Washington Street, Suite 101, Monterey, CA, 93940
Family inHome Caregiving of Monterey
100 Clock Tower Pl Suite 215, Carmel, CA, 93923
A Step Above Caregiving, LLC
3144 G St. Suite. 125-209, Merced, CA, 95340
Absolute Care Providers Inc
1968 S. Coast Hwy Ste 3995, Laguna Beach, CA, 92651
Central Coast Senior Services, Inc
22 Lower Ragsdale Drive, Monterey, CA, 93940
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Paying for Home Care in Marina, CA
The Cost of Home Care in Marina, CA
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.
The Cost of Home Care vs. Other Senior Care Options in Marina, CA
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.
Note: Data for Marina was unavailable, so data for the nearest city, Santa Cruz, was used instead.
Financial Assistance for Home Care in Marina, 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.
Free & Low-Cost Home Care Resources in Marina, CA
The Marina region supports seniors who live at home by funding numerous agencies and programs that provide services such as home-delivered and congregate meals, transportation services and case management. Through the following resources, seniors may be able to find the assistance programs they need to remain independent at home.
Resource
Contact
Service
(831) 384-6009
The Marina Senior Center hosts age-friendly social and recreational activities for city residents aged 55 and up, including free weekly strength-training classes. The center is open on weekdays from 9 a.m. to 2 p.m.
(831) 375-4454
Meals on Wheels provides home-delivered meals to housebound seniors in the Marina region. Delivery times are on weekdays between 10 a.m. and noon, and each delivery includes food for breakfast, lunch and dinner. The organization also has a home repair and modification program, helping seniors maintain a safe environment.
(800) 510-2020
The Area Agency on Aging has information and referral specialists who help older adults connect with programs in the community, including volunteer-based transportation services, durable medical equipment loans and financial and legal counseling. It also has a free congregate meal program that’s open to Marina residents aged 60 and over.
(888) 670-1360
The Friendship Line is an initiative of the Institute on Aging that provides conversation and reassurance to older adults in the Marina region. Seniors can call this toll-free number for emotional support, helping those who live alone to avoid isolation and loneliness.
(831) 372-8026
211 is a free information and referral program that helps seniors in Marina connect with community-based services. Seniors can call this number to speak with a live representative who listens to their needs and directs them to emergency financial assistance, transportation services, health care services and elder law experts.
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 – often times 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.
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.
Frequently Asked Questions
Home care agencies in Marina provide nonmedical services in the individual’s home, providing many older adults with the assistance they need to live safely and independently and delay nursing home or assisted living placement. There are two home care options, including companion care services and personal care assistance. Companion care includes transportation and accompaniment for medical appointments and errands, meal and snack preparation and light housekeeping. Personal care assistance includes help with daily activities, such as dressing, bathing and toileting. Home care services are available on a long-term, intermittent or short-term basis.
While in-home care and home health care agencies both provide care in the individual’s home, there are key differences that may make one more appropriate than the other. In-home care is for older adults who are largely independent and don’t have extensive medical needs but require some daily help with activities, such as personal grooming or meal preparation. Home health care includes nonmedical services along with some skilled nursing services, such as rehabilitative therapies, medication administration and disease monitoring. In Marina, home health care costs about $140 more per month than in-home care.
On average, in-home care agencies in Marina charge $6,864 per month for full-time services. This rate assumes 44 hours of weekly care and is based on an hourly rate of $36. Seniors who need less than 9 hours of care per weekday may pay less than the average, while those who need evening and weekend care typically pay higher monthly rates. To bring down costs, seniors may supplement paid services with free or subsidized community-based services, or they may apply for state-funded programs such as In-Home Supportive Services or the Multipurpose Senior Services Program waiver.
Choosing between assisted living and home care comes down to cost and lifestyle preferences. In Marina, assisted living is the more budget-friendly option, costing $5,550 per month for housing, personal care, meals, utilities and social and recreational activities. However, residents don’t have the same level of privacy and independence as those who live at home. Home care lets seniors remain in their own homes. However, it’s costlier and doesn’t offer the same social environment as assisted living, which may be a consideration for those with concerns regarding isolation or financial hardship.
Many seniors rely on friends and family for daily assistance with transportation, meals and light housekeeping. However, when an individual’s support people are unable to provide assistance due to other commitments, vacations or illness, they may experience a gap in their care. In-home respite services are available through private home care agencies and can help individuals avoid disruptions in their care. Depending on the individual’s needs, respite services may include transportation, meal preparation, light housekeeping or companionship.