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The 10 Best Home Care Agencies for Seniors in Sacramento County, CA for 2024

Sacramento County, California, is equal parts farmland and industrial suburbs, with a large trading center located on two rivers. The county is home to nearly 1.6 million people, more than 14% of whom are seniors — a slightly lower proportion than the national average of roughly 17%. Sacramento County has multiple senior centers, senior social clubs and recreational opportunities for seniors who love to golf, fish and enjoy the outdoors. Shopping, entertainment and other recreational opportunities abound in the city of Sacramento as well as outlying areas, such as Roseville, Elk Grove and Citrus Heights. According to the 2021 Genworth Cost of Care Survey, home care in Sacramento County costs an average of $6,292 a month. Though medical services are not included in this type of senior care, Sacramento seniors have access to excellent medical care from Sutter Medical Center and Kaiser Permanente hospitals, most of which offer specialized senior health services.

Below we’ve compiled a comprehensive directory of every home care provider in Sacramento County– 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.

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Paying for Home Care in Sacramento County, CA

The Cost of Home Care in Sacramento County, CA

Home care costs in Sacramento County average $6,292 a month. This is $191 per month higher than the California average of $6,101, and both are significantly higher than the national average cost for similar care of $4,957. Within California, Sacramento is relatively affordable as prices are significantly lower than in San Francisco ($6,864), San Jose ($7,102) and Redding ($6,673). Home care in Los Angeles is cheaper, at around an average of $381 a month less than in Sacramento.  

Sacramento County

$6,292

California

$6,101

The United States

$4,957

San Jose

$7,102

San Francisco

$6,864

Los Angeles

$5,911

Redding

$6,673

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

Home care in Sacramento County averages $6,292 a month, which is also the average cost of home health care in the area. Assisted living is $1,067 a month lower, at $5,225 a month. Adult day health care offers significantly lower costs, at an average of $2,167, while skilled nursing services in Sacramento-area nursing homes cost an average of $10,646 a month.

Home Care

$6,292

Home Health Care

$6,292

Adult Day Care

$2,167

Assisted Living

$5,225

Nursing Home Care (semiprivate room)

$10,646

Financial Assistance for Home Care in Sacramento County, 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.

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 – oftentimes 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 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
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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

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