Caring.com
Caring.com

(800) 558-0653

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

National City is a dense, urban city known for its diverse population and waterfront marina. It may appeal to seniors who prefer vibrant communities. The 2020 Census reveals seniors comprise 15.2% of National City’s 56,000 residents. That is below the U.S. average of 16.8% but doesn’t mean there’s less for older citizens. The average cost of living is lower than the California cost of living, housing costs are typically about 22% less than the state average and health care costs less than it does in California as a whole. The city is also home to the high-performing Paradise Valley Hospital. The median monthly cost for home care is $6,387, while home health care’s limited medical services cost an additional $86 per month.

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

Home Care Agencies in National City, CA

33 Results

Didn't find what you were looking for?

Caring's Family Advisors are here to help you with questions about senior living and care options.

Call us at (855) 948-3865

1

2

What you can do with Caring

  • Search the Caring database

    Quickly search the largest online senior living and senior care directory

  • Read reviews and expert guidance

    Read our authentic consumer reviews and content by experts

  • Speak to a Family Advisor for free

    Guided, expert advice to find the best community or agency for you

  • Take a tour to decide yourself

    We’ll help you book tours or get in touch with local agencies

Paying for Home Care in National City, CA

The Cost of Home Care in National City, CA

Home care in National City is costlier when compared with state and national medians. The typical National City resident pays $286 per month more than the equivalent Californian and $1,430 more than the average American. Comparisons with nearby cities also find National City seniors paying more, typically $476 when compared with Los Angeles, $286 with Riverside and $572 with Oxnard. The widest gap between National City and nearby cities is with El Centro, where seniors can pay $2,955 less per month.

National City

$6,387

California

$6,101

United States

$4,957

El Centro

$3,432

Los Angeles

$5,911

Oxnard

$5,815

Riverside

$6,101

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

Home care costs a median of $6,387 in National City, while seniors receiving limited medical care from home health care agencies typically pay an additional $86 per month. Genworth’s Cost of Care Survey with details on home care and assisted living shows the latter is cheaper by $912 per month. Seniors getting adult day health care pay $4,329 for even greater savings. Nursing homes are the costliest care option, typically costing $2,997 more than home care.

Home Care

$6,387

Home Health Care

$6,473

Adult Day Health Care

$2,058

Assisted Living

$5,475

Nursing Home Care (semiprivate room)

$9,384

Note: Data for National City was unavailable, so data for the nearest city, San Diego, was used instead.

Financial Assistance for Home Care in National City, 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 National City, CA

Seniors in National City can use state and local programs as they age in place. The programs may make homes safer and more energy-efficient and help seniors get nutritious meals every day. The following table includes some of the free and low-cost resources available with links to each and an overview of what they can do.

ResourceContactService
Weatherization Services(619) 409-7588Income-eligible seniors in National City may qualify for Weatherization Services. They can make homes more energy-efficient and therefore reduce consumption and costs. This could mean replacing inefficient appliances, sealing sources of heat intrusion/loss and replacing insulation. The program will also install smoke alarms and carbon monoxide detectors, if necessary.
Meals on Wheels San Diego County(619) 260-6110Homebound adults aged 60+ qualify for home-delivered meals in National City for $4 to $7 per day, depending on the meals ordered. The nonprofit delivers one or two meals Monday to Friday, with extra meals delivered on Saturdays for the weekend.
State Property Tax Postponement Program(800) 952-5661Homeowners aged 62+ may be eligible for the State Property Tax Postponement Program, which allows them to defer their current-year property taxes. To qualify, the home they reside in must be their principal address and the gross household income must be within the limits for that year.
AARP Foundation Tax Aide Program(619) 691-5069Each tax period, AARP's IRS-certified volunteers help seniors prepare their taxes. Seniors can drop off their paperwork at a designated center for the volunteer to complete the work for them or communicate by phone and email so they can work together. The service is free.
Home Repair Program(858) 694-4847Homeowners with single-family homes can borrow up to $25,000 at 3% interest calculated annually. The loan must be used to pay for home repairs. Seniors in mobile homes may qualify for a non-repayable grant of $12,000 to cover the costs of making their homes safer and more accessible.

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.

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

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

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

Our Services

  • Senior Living Directory

  • Senior Care Directory

  • Caregiving Resources

  • Sitemap

  • Terms of Use

  • Privacy Policy


© 2024 Caring, LLC. All rights reserved.