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The 10 Best Home Care Agencies for Seniors in Ontario, 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 Ontario, CA, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 46 options below.

Home Care Services in Ontario, California

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Paying for Home Care in Ontario, CA

The Cost of Home Care in Ontario, CA

Home care agencies in Ontario charge an average of $5,911 a month for caregiver support, which makes it a fairly affordable location in California. While local costs are nearly $1,000 a month above the national average of $4,957, they’re significantly lower than the $6,101 seniors pay statewide. Other California communities vary widely in home care costs. San Diego seniors pay an average of $6,387 for home care, which is costlier than in Ontario. Meanwhile, costs in El Centro are as low as $3,432, much less than in Ontario. Home care in Oxnard is close in cost to Ontario, at $5,815 a month.

Ontario

$5,911

California

$6,101

United States

$4,957

San Diego

$6,387

El Centro

$3,432

Oxnard

$5,815

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

Medical home health care and nonmedical home care services in Ontario both average $5,911 a month. Care in an assisted living facility is more affordable, at $5,250. Adult day health care in Ontario, which costs an average of $1,652, is much cheaper than home care. The more intensive and medically oriented care seniors get at a nursing home costs significantly more. The monthly cost of a semiprivate room at an Ontario-area nursing home averages $9,125.

Home Care

$5,911

Home Health Care

$5,911

Adult Day Health Care

$1,652

Assisted Living

$5,250

Nursing Home Care (semiprivate room)

$9,125

Note: Data for Ontario was unavailable, so data for the nearest city, Los Angeles, was used instead.

Financial Assistance for Home Care in Ontario, 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 Ontario, CA

Ontario seniors are not alone while they age in place at home. Numerous local resources offer free and low-cost support services for older adults, covering a spectrum of needs from home modifications to legal aid and home-delivered meals. Seniors and their caregivers or families can best access these resources by contacting the listed agencies directly and asking for information or an application.

ResourceContactService
Short-Term Rental and Utility Assistance Program(909) 395-2006Ontario's rental and utility service helps seniors who need help paying rent or covering the cost of utility bills. Applicants must meet income guidelines and have a short-term need that exceeds their ability to pay. Grants cover up to 3 months of assistance for deferred rent and utility payments.
Inland Counties Legal Services(800) 977-4257Inland Counties Legal Services operates a free senior legal assistance line for inquiries, consultations and referrals to other legal services. Lawyers at the center help seniors with family law, elder care law and estate issues.
Ontario Senior Center(909) 395-2021Ontario Senior Center services include meals, social events and classes. The center operates a congregate meal service that's open to all members, daily wellness and check-in visits from volunteers and family counseling. Insurance advice is provided by senior advisors and can help older adults navigate Medicare, Medicaid and insurance.
Phone Assurance Line (P.A.L.S.)(909) 395-2021Seniors aged 50 and over can get a free check-in call from a P.A.L.S. volunteer up to once a day. This service aims to make contact with a senior to identify unmet needs. Emotional reassurance is provided, with volunteers available to take calls as well.
Silver S.T.A.R.S. Senior Transportation & Recreation Shuttle(909) 379-7100The City of Ontario and the local YMCA work together to operate a senior shuttle service that provides free and discounted on-request local transportation services for local seniors. The shuttle runs scheduled routes to and from the senior center, as well as limited service for personal medical appointments.

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.

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Checklist for determining the need for in-home care
Checklist for determining the need for in-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.  

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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

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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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