The 5 Best Home Care Agencies for Seniors in Redding, CA for 2025

According to the 2021 Genworth Cost of Care Survey, at a monthly average of $6,673, Redding residents pay several hundred dollars more for home care than the statewide average of $6,101, and over $1,600 more than the national average of $4,957. San Jose residents pay the most for senior care at $7,102, while the most affordable services are available at the southern end of the state in El Centro. Elsewhere, Sacramento residents pay an average of $6,292, while home care costs drop to $5,911 in California’s largest city, Los Angeles.

Although monthly costs are similar, home care and home health care cover different services. Home care services involve basic help with the tasks of daily living, such as nonmedical personal care and household tasks, while home health care services provide limited clinical services that can be performed in the home by licensed health care professionals such as nurses and physical therapists. Nursing home residents, who typically need 24-hour clinical care, pay the highest costs at $10,768. Adult day care is the most affordable at $2,167. Residents of assisted living facilities pay an average of $4,450 in Redding. 

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.