How Much Does Home Care Cost, and Who Pays for It?

Home care costs vary by hours needed, schedule, and level of care, and most Bay Area families pay through a combination of private pay and long-term care insurance rather than Medicare or Medicaid. This free guide from Aviva In-Home Care walks Bay Area families through real industry cost data, the honest answer on what Medicare and Medicaid do and do not cover, and the specific questions to ask before choosing a home care agency.

What's Inside This Guide

The national cost benchmark for home care, and why Bay Area families should expect to pay more
A simple formula to estimate your own monthly budget
How private pay, long-term care insurance, Medicare, Medicaid, and veterans benefits actually work for home care
5 things families often get wrong about paying for care
Questions to ask before you choose an agency
Signs it may be time to start the conversation

Who This Guide Is For?

Adult children helping an aging parent, spouses and family caregivers, long-distance caregivers trying to understand options from afar, and seniors planning ahead for their own care in San Francisco, Burlingame, and the surrounding Bay Area.

Why This Matters

Most families say the hardest part of starting home care isn’t deciding they need help. It’s not knowing what it costs or how they’ll pay for it. This guide gives you real numbers and a clear framework, so you can have that conversation with confidence instead of guesswork.

Serving the Bay Area

Aviva In-Home Care has served families across San Francisco, San Mateo, Santa Clara, and Alameda counties since 2014, including Atherton, Belmont, Berkeley, Burlingame, Claremont, Emeryville, Foster City, Hillsborough, Lafayette, Los Altos, Menlo Park, Mountain View, Orinda, Pacifica, Palo Alto, Piedmont, Redwood City, Rockridge, San Carlos, San Francisco, San Mateo, and San Ramon.