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The 10 Best Home Care Agencies for Seniors in Carmichael, CA for 2024
Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Carmichael, CA, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 47 options below.
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On this page:
- Home Care Services in Carmichael, California
- Paying for Home Care in Carmichael, CA
- Financial Assistance for Home Care in Carmichael, CA
- Free & Low-Cost Home Care Resources in Carmichael, CA
- Determining Your Loved One’s Need for In-Home Care
- Guidelines for Talking About In-Home Care
- Frequently Asked Questions
Paying for Home Care in Carmichael, CA
The Cost of Home Care in Carmichael, CA
Seniors pay a median of $4,671 per month for home care in Carmichael, according to the 2024 Genworth Cost of Care Survey. This represents savings of up to $2,193 compared to typical expenses in California ($6,864) and a reduction of $1,049 compared to the national norm ($5,720). Care costs nearly double in Santa Rosa, where the median fee hits $8,294.
Carmichael
$4,671
California
$6,864
United States
$5,720
Stockton
$6,101
Santa Rosa
$8,294
San Francisco
$7,531
The Cost of Home Care vs. Other Senior Care Options in Carmichael, CA
Carmichael's median rate of home care stands at $4,671 per month, so seniors pay considerably less for this type of care than any other service. Home health care, which includes licensed nursing and medical treatments, costs a steeper $6,673. Expenses peak at $11,406 for seniors living in nursing homes — more than double the rate for home care.
Home Care
$4,671
Home Health Care
$6,673
Adult Day Health Care
$8,667
Assisted Living Facility
$6,340
Nursing Home Care (semi-private room)
$11,406
Note: Data for Carmichael was unavailable, so data for the nearest city, Sacramento, was used instead.
Financial Assistance for Home Care in Carmichael, CA
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.
Free & Low-Cost Home Care Resources in Carmichael, CA
Aging in place may be your first choice, but this doesn’t mean it will be easy. If you need extra help around your home or want to apply for supportive services, such as Meals on Wheels, in-home care or accessible transportation, the following agencies can help.
| Resource | Contact | Service |
|---|---|---|
| Agency on Aging Area 4 | (916) 486-1876 | Your Area Agency on Aging is designed to be your first point of contact for general questions about senior services offered in Carmichael and the surrounding areas. It provides information and assistance to seniors who want to learn more about caregiver support programs, meal deliveries, home repairs and transportation. |
| ACC Senior Services | (916) 394-6399 | This local nonprofit operates several full-service residential care facilities and provides several supportive services to older adults who live in Carmichael and the neighboring communities. It offers accessible rides, a friendly visitor program and assistance for seniors who need help understanding their utility bills. |
| Meals on Wheels by AAC | (916) 444-9533 | Homebound seniors aged 60+ may qualify for low-cost meal deliveries through this program. You can get started by scheduling an in-home assessment. The program also offers pet food deliveries and meal enhancements. Seniors who aren’t homebound can pick up their meals at the Mission Oaks Community Center in Carmichael. |
| Sacramento County Assessor Homeowners' Exemption | (916) 875-0700 | This property tax exemption is available on your primary residence, regardless of your age. The county provides a $7,000 reduction on your property's assessed value that can save you about $75 a year. Applications are due in February. Once approved, your exemption will renew annually unless you move. |
Determining Your Loved One’s Need for In-Home Care
Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.
Guidelines for Talking About In-Home Care
If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.
Frequently Asked Questions
Reviews of Care Providers Nearby
Home Care
Linda
5.0
Review of ActiveCare In Home Services
We're using ActiveCare. They're very good. They've been able to help with everything that I need in a caregiver, including whatever hours that I need them available or for transportation to...