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

The 2021 Genworth Cost of Care Survey records Yucaipa’s median monthly home care fee as $5,911. Although this is above the national average of $4,957, it’s below California’s $6,101. This suggests seniors relocating from out of state may find the city costly. It also suggests those moving from elsewhere in California might find it more affordable. Yucaipa isn’t the most expensive city in Southern California. Nearby cities, such as San Diego and Riverside, are costlier — the former being $6,387 per month and the latter being $6,101. However, there are cheaper options in the region, such as Oxnard, at $5,815, and Bakersfield, at $5,506.

Although home care is a nonmedical service and home health care is a medical one provided by licensed professionals, they share an identical median fee of $5,911. This is at the costlier end of the spectrum but not as expensive as nursing home care, where a semiprivate room typically costs $9,125 per month. Assisted living is more affordable than home care, at $5,250, and adult day care is cheaper still, at $1,652.  

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.