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

According to the 2020 Genworth Cost of Care Survey, home care in Valley Center costs, on average, $5,716 per month, which is more than the state and national averages of $5,529 and $4,481 respectively. The nearest cities included in the survey are all more affordable to varying degrees. Los Angeles is in the region of $5,434, Riverside averages $5,053, and El Centro comes in at $4,195.  

Home care is frequently companionship blended with home and personal care services, while home health care offers the same services with the addition of limited medical support from nurses and therapists. However, both services have identical average fees of $5,716. The most affordable type of care is provided in adult day centers, which usually charge about $1,733, while assisted living can be had for approximately $4,525 per month. Those who need 24/7 care should budget for $10,722, which is the average fee for a semiprivate room in a nursing home.

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.