The 10 Best Home Care Agencies for Seniors in Newport Beach, CA for 2025

Due to their proximity to each other, Newport Beach and Los Angeles share fees according to the 2021 Genworth Cost of Care Survey. This results in a median monthly fee of $5,911 that’s below California’s average of $6,101. The national average of $4,957 is much lower, but costs in California tend to supersede those in the majority of other states. Newport Beach’s median fee competes favorably with several nearby cities, such as San Diego’s $6,387 and Riverside’s $6,101. However, it’s not as affordable as some cities farther north, including Oxnard at $5,815 and Bakersfield’s $5,506.

At $5,911, home care and home health care share the same median fee, although their services differ. The former is a nonmedical service involving personal care and housekeeping, while the latter requires medical services delivered by registered therapists and nurses. Adult day care’s median of $1,652 is an affordable choice for seniors who aren’t homebound, while assisted living’s much costlier $5,250 may appeal to those willing to relocate. At $9,125, nursing homes are the most expensive option.

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,