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The 10 Best Home Care Agencies for Seniors in Moraga, CA for 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 Moraga, CA, residents and their loved ones rate In Home Care agencies 4.6 out of 5 stars across the 68 options below.

Home Care Services in Moraga, California

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Paying for Home Care in Moraga, CA

The Cost of Home Care in Moraga

Home care in Moraga is costly by Californian standards, which, according to the 2021 Genworth Cost of Care Survey, is around $6,101 per month, a figure that’s $1,144 above the national average. However, Moraga’s median fee of $6,864 isn’t as expensive as San Jose, where seniors usually pay around $7,102. Of the cities in the region included in the survey, those with more affordable home care fees include Sacramento ($6,292), Vallejo ($5,958) and Stockton ($5,482).

Moraga

$6,864

California

$6,101

The United States

$4,957

San Jose

$7,102

Stockton

$5,482

Vallejo

$5,958

Sacramento

$6,292

The Cost of Home Care. vs. Other Senior Care Options in Moraga

Adult day care centers provide the most affordable type of senior care in Moraga, which often charge around $1,950 per month. Assisted living facilities charge significantly more, at $6,319, although they’re not as costly as home care agencies ($6,864) and home health care agencies ($7,150). Nursing home care is at near-hospital levels, which reflects in fees that average at $11,566 for a semiprivate room, which is the most affordable room type. 

Home Care

$6,864

Home Health Care

$7,150

Adult Day Health Care

$1,950

Assisted Living Facility

$6,319

Nursing Home Facility (semiprivate room)

$11,566

Note: Data for Moraga was unavailable, so data for the nearest city, San Francisco, was used instead.

Financial Assistance for Home Care in Moraga, 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 Moraga, CA

Moraga’s seniors can call on the help of many agencies and nonprofits in the region. This list explains how some reduce energy costs and the tax burden while other organizations ensure seniors get a healthy meal every day and have free access to legal advisors.

ResourceContactService
Neighborhood Preservation Program(510) 803-3388Low-income residents whose homes deteriorated to concerning levels can apply to the Neighborhood Preservation Program for financial assistance. It can cover costs for bringing homes up to standards, including making dangerous areas safe and reducing dependence on energy.
Energy Assistance Programs(510) 803-3388The Low Income Home Energy Assistance and Weatherization Programs help Contra Costa County residents with incomes at or below 100% of the Federal Poverty Level reduce their energy costs and make their homes safer and more energy-efficient. They can contribute toward utility bills, including emergency payments, if the supplier threatens disconnection and cover home improvement costs related to energy reduction. This can include installing insulating materials and repairing air leakage/intrusion sources.
Contra Costa Senior Legal Services(925) 609-7900Contra Costa Senior Legal Services has provided free legal support in civil law matters to adults aged 60 and over since 1976. It regularly assists clients who have been elder abuse or scam victims or accumulated unmanageable consumer debt. It operates from more than 20 clinics throughout Contra Costa County and frequently delivers educational presentations on many subjects, including safeguarding assets and resolving long-term care issues.
Meals on Wheels Diablo Region(925) 937-8311Meals on Wheels Diablo Region delivers healthy and fresh meals to homebound adults aged 60 and older who are at risk of nutritional deficiency. The program is needs-based, so income won't factor in determining eligibility. The nonprofit also conducts wellness checks at every visit and delivers CDC-approved fall prevention training. Additionally, it manages five cafes throughout Contra Costa County where seniors who aren't homebound can get a healthy lunch on weekdays and socialize with their peers.
Moraga School District Senior Exemptions(925) 376-5943Seniors residing in the Moraga School District may be eligible for exemption from two parcel taxes — Measure K: $325.00 and Measure M: $196.00. To qualify, the applicant must be aged 65 or older, own and occupy the property and prove the combined gross income of the property's inhabitants doesn't exceed 50% of Contra Costa County's median income.

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 – oftentimes 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.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

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.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions

Reviews of Care Providers Nearby

Home Care

Tella G

I am a current client of this provider

Review of BrightStar Care Walnut Creek / Oakland / Lafayette

They have the ability to bring in quality staff. They are responsive.

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Home Care

Doreen_1

I am a past client of this provider

Review of BrightStar Care Walnut Creek / Oakland / Lafayette

We use it for when we are not here. They should improve the communication.

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Home Care

Paul B_40

I am a current client of this provider

Review of BrightStar Care Walnut Creek / Oakland / Lafayette

They listen to my wife and everything she says. When the caregiver can't come and they call, they ask if I need a replacement and I always tell them that that would hold no value.

Read more

In Home Care near Moraga, 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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