The 5 Best In Home Care Service in Morro Bay, CA for 2023
The 2020 Census found that 31% of Morro Bay’s 10,747 residents are aged 65 and older, a percentage that’s around double the average for California and the United States and suggests the coastal city is especially senior-friendly. Home care and home health care agencies serve the older population, with the latter offering limited medical support in addition to home care. The typical fee for home care in Morro Bay is $5,911 per month, an above-average fee for California. Urgent Care of Morro Bay is the primary medical facility in the city, with nearby San Luis Obispo being home to several others, such as the Sierra Vista Regional Medical Center and the French Hospital Medical Center.
Below we’ve compiled a comprehensive directory of every home care provider in the Morro Bay 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 Morro Bay, CA
180 N 9th St, Grover Beach, CA, 93433
3144 G St. Suite. 125-209, Merced, CA, 95340
1968 S. Coast Hwy Ste 3995, Laguna Beach, CA, 92651
8315 Morro Road,, Atascadero, CA, 93422
806 Manhattan Beach Blvd #206, , Belmont, CA, 90266
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Paying for Home Care in Morro Bay, CA
The Cost of Home Care in Morro Bay, CA
The 2020 Genworth Cost of Care Survey reveals Morro Bay to be at the high end of the scale for home care costs in California and even less affordable when compared to the national average. However, when compared to the nearest cities in the region included in the survey, Morro Bay’s costs are among the most attractive. Only Bakersfield has lower fees, at $5,077, while in Salinas, seniors typically pay $6,006, and in Santa Maria, $6,101.
The Cost of Home Care vs. Other Senior Care Options in Morro Bay, CA
The Genworth survey doesn’t include adult day care costs, although the state average of $2,058 in nearby Santa Maria may give some indication of the likely fees. Other options include assisted living, at $5,800, and nursing home care, at $10,038 for a semiprivate room. Home care agencies typically charge $5,911 for their services, while home health agencies are likely to add another $190 per month to that fee for visits from medical professionals.
Home Health Care
Nursing Home Care (semiprivate room)
Note: Data for Morro Bay was unavailable, so data for the nearest city, San Luis Obispo, was used instead.
Financial Assistance for Home Care in Morro Bay, 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 Morro Bay, CA
Morro Bay’s seniors can access a wealth of resources designed to improve their quality of life and give extra support when needed. These resources can help seniors in need of fresh food daily, others who may be struggling with energy costs and those who can’t pay for essential repairs in their homes.
Community Action Partnership of San Luis Obispo is a nonprofit organization that supports vulnerable members of the community in several ways. For adults aged 60 and older, it can make their homes more accessible and safe by installing various senior-friendly features, such as grab bars and smoke alarms. It can also make minor repairs related to electricity, drywall and plumbing. Additionally, the organization can weatherize homes to increase their energy efficiency and, through the HEAP program, make a one-off annual payment towards utility bills.
Volunteers deliver freshly-prepared and nutritionally-balanced meals to seniors in Morro Bay who are unable to visit one of the nonprofit's numerous dining sites in San Luis Obispo County. During delivery, the volunteer will also make a wellness check on the senior. A typical meal includes a meat or vegetable dish, fresh vegetables, fruit and milk.
The Coast Caregiver Resource Center is a mostly free or low-cost program for unpaid caregivers operated by Cottage Rehabilitation Hospital. It can provide one-on-one consultations to educate caregivers unfamiliar with the role and assist with some costs for short-term respite care and other forms of counseling through various grants. The program also manages support groups, enabling caregivers to build collective strength together and benefit from each others' experiences.
The Catholic Charities Diocese of Monterey provides many resources for seniors in the community, which includes the Hope in Home Program. This program can make a one-off payment for seniors struggling to pay their rent and/or utility bills. To qualify, the senior must agree to a financial assessment and to agree to short-term goal setting to address their cash flow issues. The organization can also refer seniors to other local charities who may be able to assist in other ways, depending on the senior's unique circumstances.
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
What should I look for in a good home care agency near me in El Dorado Hills?
Before considering a home care agency, seniors should confirm it’s licensed by the Home Care Services Bureau. It’s also prudent to read reviews about agencies on the shortlist as they can give a sense of its focus on quality of care and customer service. Caring.com provides a platform for home care agency clients to publish their experiences online. When contacting an agency, it’s vital to ask questions about its policies and procedures. Does it do background checks on prospective employees? What training, and ongoing training, does it provide? How does it handle emergencies in the senior’s home?
What is the difference between in-home care and home health care?
The typical senior who receives in-home care is someone who needs a companion to help them with common daily tasks, such as shopping for groceries, driving to medical appointments and walking in parks. They may also need help with dressing themselves, bathing and other aspects of personal care, such as doing their hair and clipping nails. Seniors who need home health care support typically need some or all of the previous services, but also need help with some medical issues, such as getting injections, dressing wounds and participating in physical therapies.
How do you pay for senior care at home?
Private pay is the most common way to pay for home care. Typically, seniors will draw on their savings or liquidize some of their assets, including arranging reverse mortgages or applying for home equity loans. In many cases, siblings group together to cover the costs. Other options include Medicare, although this only covers some costs on a part-time basis. Medicare Advantage recipients with suitable insurance plans can get home care services for the full term. In California, low-income adults aged 65 and older may be able to get Medi-Cal to cover their costs through the In-Home Supportive Services Program.
Who is eligible for the veterans’ home care program?
U.S. military veterans with complex medical needs can apply for help from the veterans’ home care program if those needs can be safely managed in the veteran’s home. Eligibility can be difficult to determine as many variables influence the decision. For example, to apply, the vet must qualify for the VA pension and have at least 90 consecutive days of active service — with a minimum of one day in a combat zone — and have specific medical needs and financial limitations. Therefore, it may be helpful to contact a free service dedicated to assisting with applications, such as VeteranAid.org.
Can you write off in-home elderly care?
In some cases, yes. Seniors should first itemize all of their medical expenses that can be claimed on Schedule A, using IRS Publication 502 as a guide, as the IRS can deduct some personal and maintenance services. As per IRS Publication 926, a senior with a caregiver deemed an employee can also write off some costs.