The Best Home Care Agencies for Seniors in Vacaville, CA for 2025

At an average of $5,958 per month, home care costs in Vacaville mirror those in Vallejo due its proximity to that city. Average costs are slightly lower than the statewide median but substantially higher than the national average. Within California, home care costs are the highest in the Silicon Valley hub of San Jose, while home care is most affordable in the Imperial Valley, where residents in El Centro pay the lowest home care costs in California. Cost rises to $6,387 on the south coast in San Diego and falls slightly in California’s capital of Sacramento.

Home care and home health care have the same average price point in Vacaville, although it’s important to note that these are two completely different services. Instead of nonmedical services in the home, home health care covers limited clinical care from licensed medical professionals, such as a physical therapist. Nursing home care, which is the most expensive senior care option in Vacaville, is available for those who need constant clinical care, and assisted living is about half that price.

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.