The 10 Best Home Care Agencies for Seniors in Torrance, CA for 2025

Because Torrance is located near Los Angeles, it shares the same senior care costs, according to the Genworth 2021 Cost of Care Survey. Local home care costs are estimated at $5,911 per month, which is a couple of hundred dollars below the state rate but $1,000 higher than the national average. In Oxnard, monthly rates are about $100 lower, and in Bakersfield, care costs are about $400 less. Torrance is an economical option compared to Riverside, where monthly fees are $200 higher, and San Luis Obispo, where rates are over $1,200 higher. 

Home care agencies in Torrance charge $5,911 for nonmedical services such as help with daily living activities. Home health care agencies charge the same monthly rate but provide skilled nursing services, such as monitoring vitals and diabetes management. Seniors in assisted living pay about $700 less monthly than older adults who obtain home care, and adult day health care is over $4,000 cheaper. Nursing home care is the only option more expensive than home care, at $9,125.

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.