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The 10 Best Home Care Agencies for Seniors in St Helena, CA for 2024

Last Updated: June 5, 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 St Helena, CA, residents and their loved ones rate In Home Care agencies across the 27 options below.

Home Care Agencies in St Helena, CA

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Paying for Home Care in St. Helena, CA

The Cost of Home Care in St. Helena, CA

According to the 2021 Genworth Cost of Care Survey, St. Helena’s monthly fee for home care averages $6,435, which is $334 more than California’s median and $1,478 greater than the country’s norm. Although costlier, it’s not the highest fee in Northern California, as San Jose’s seniors typically pay $7,102. However, more affordable cities are nearby, such as Santa Rosa, where the median is $6,292 per month. Even greater savings are possible for seniors in Vallejo, where the average is $5,958.

St. Helena

$6,435

California

$6,101

The United States

$4,957

Santa Rosa

$6,292

Vallejo

$5,958

San Jose

$7,102

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

Although home and home health care agencies deliver different services, with the former non-medical and the latter medical, they average the same fee of $6,435 per month. This isn’t as affordable as adult day health’s median of $2,275 or assisted living’s $6,300, but neither of those services is as personalized as home care. The costliest option in St. Helena is nursing home care, where a typical semiprivate room costs around $10,646 per month.

Home Care

$6,435

Home Health Care

$6,435

Adult Day Health Care

$2,275

Assisted Living Facility

$6,300

Nursing Home Facility (semiprivate room)

$10,646

Note: Data for St. Helena was unavailable, so data for the nearest city, Napa, was used instead. 

Financial Assistance for Home Care in St. Helena, 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 St. Helena, CA

Seniors residing at home in St. Helena needn’t feel they have to cope with challenges alone, as many Napa Valley organizations are dedicated to helping older residents. The resources listed here can help with legal problems, home repairs, meal deliveries and exemptions from some property taxes.

ResourceContactService
Napa/Solano Area Agency on Aging(707) 784-8960The purpose of the Napa/Solano Area Agency of Aging is to provide services for the region's older adults that help them enjoy their later years in greater safety and comfort. The agency's many free resources include managing senior centers throughout Napa Valley and providing assistance with more practical matters, such as Medicare counseling, legal services and transportation for medical appointments and grocery shopping. It also provides case management services to help seniors plan their long-term care.
Property Tax Exemptions(707) 253-6171St. Helena seniors who own and reside in their homes are eligible for a property tax exemption. As of 2022, it reduces the property's value by $7,000, which equates to savings of $71 annually on property taxes. Disabled veterans and their widows/ers with annual incomes below $67,355 can also claim an additional $149,993 (up to $224,991, depending on the value of the property). To qualify, the vet must be 100% disabled due to their military service, or in the case of widows/ers, their spouse's death must be linked to their time serving their country.
Solano-Napa Habitat for Humanity(707) 422-1948Solano-Napa Habitat for Humanity conducts home repairs for free or at little cost for homeowners on low incomes. The program focuses on fixing building code violations, health and safety issues and improving accessibility for approved applicants with mobility problems. The works carried out depend on the results of a home assessment and may include installing grab bars and ramps, replacing the water heater and repairing the roof.
Home-Delivered Meals(707) 253-6100Community Action of Napa Valley is a nonprofit whose services include preparing and delivering freshly-prepared and nutritionally-balanced meals to homebound adults aged 60 and older. It delivers three meals on Mondays and Wednesdays and two on Fridays, between 10 a.m. and 1 p.m. The suggested donation is $4.50 per meal, although seniors unable to pay will not be refused a meal. The volunteer drivers also make wellness checks at the time of delivery.

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 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

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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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