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

In Whittier, home care agencies charge $5,911 for nonmedical services, making it among the more cost-effective places in California to obtain care. While local rates exceed the national norm of $4,957 by nearly $1,000, they are about $200 less than the state norm of $6,101. Rates in nearby Oxnard tend to be a little lower, with the monthly average coming in at $5,815, and in El Centro, monthly fees are about $2,500 less than in Whittier at $3,432. However, Whittier is an economical option compared to San Diego, where seniors pay $6,387 per month.

Home care agencies charge $5,911 for nonmedical services. Home health care has the same rate and includes skilled nursing services, such as medication administration and wound care. Seniors may save $700 per month, plus the cost of housing and meals, by opting for assisted living, which costs $5,250. Those who live at home and attend adult day health care pay $1,652 per month, which saves $4,300 compared to home care. Nursing home care is considerably costlier 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.