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

Torrance, California, is an age-friendly city recognized on the Caring Senior Living Report for its low crime rate and the high quality of life it supports. Its diversity of destinations is higher than that of the typical U.S. city, indicating that a variety of service providers, stores and restaurants are within easy driving distance for residents, and the city’s walkability and access to ADA-accessible transportation reduces seniors’ reliance on private vehicles. Two major medical facilities are in Torrance, including Providence Little Company of Mary Medical Center Torrance and Torrance Memorial Medical Center, which is ranked among the top hospitals in California.

Seniors in Torrance also have access to a large network of resources that help them remain in their homes throughout retirement, including numerous home care agencies. These agencies provide nonmedical services to assist older adults in daily activities, including medication reminders, meal preparation and companionship. They charge about $5,911 per month for services. Seniors who need skilled nursing can obtain home health care services for the same monthly rate.

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

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.