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

According to the 2021 Genworth Cost of Care Survey, Soquel’s typical senior pays $6,864 per month for home care. This is at the higher end of the scale for California, where the median fee is $6,101, and for the country, where the average cost is $4,957. Although costlier than most, the town is generally in keeping with the region, as the average fee in Salinas is $6,673 and in San Jose, it’s $7,102. Seniors looking for lower fees may wish to relocate inland, where costs are generally more affordable than in coastal areas. For example, Modesto’s average is $5,768.

In Soquel, seniors receiving medical care from a home health care agency typically pay an additional $143 per month more than those paying $6,864 for nonmedical home care services. Both options cost more than assisted living — home care is $1,314 more, and home health care is $1,457 more. The costliest type of care in the city is nursing home care, which is typically an additional $3,782 for a semiprivate room.

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.