Affordable Care Options for Seniors in the San Fernando Valley: From IHSS to Referral Agencies

For many families, finding reliable senior care isn’t just about quality, it’s about affordability. With rates for traditional home care agencies rising every year, many families in the San Fernando Valley are looking for creative ways to make in-home care more accessible.

Thankfully, there are several programs and services that can help, from government-funded options like IHSS to more flexible alternatives like Domestic Referral Agencies.

1. IHSS (In-Home Supportive Services)

If your loved one qualifies for Medi-Cal, California’s IHSS program can cover the cost of in-home assistance for seniors, people with disabilities, or those who are blind.

IHSS caregivers are paid by the state, and services typically include help with:

• Bathing, dressing, and grooming

• Light housekeeping and meal prep

• Transportation to appointments

This is an excellent option for families with low income or limited assets, but not everyone qualifies — which is where private alternatives come in.

2. Long-Term Care Insurance

If your loved one has long-term care insurance, check whether their policy covers in-home care. Many plans allow policyholders to hire caregivers directly or work with referral agencies for personal assistance, companionship, or homemaking services.

Even if your loved one hasn’t used their benefits before, it’s worth contacting the insurance provider to explore coverage.

3. Veterans Assistance Programs

For veterans and surviving spouses, the VA Aid and Attendance benefit can provide monthly financial support to help pay for caregivers or home assistance.

To qualify, veterans must meet certain service, income, and medical-need criteria. This benefit can be used in combination with private care options for more complete coverage.

4. Private Care Through Referral Agencies

For seniors who don’t qualify for IHSS or other programs, Domestic Referral Agencies (DRAs) offer a flexible and affordable way to get help at home.

Through CareMatch Services, families are connected with independent, pre-screened caregivers who provide quality care at rates typically 20–30% lower than traditional home care agencies.

Families have the freedom to:

• Choose their own caregiver

• Set their schedule and care preferences

• Maintain a direct relationship with the person providing care

It’s an ideal option for families who want personalized, reliable in-home care without the high costs of traditional agencies.

5. Combining Multiple Options

Many families don’t realize that they can combine these options for more flexibility.
For example:

• An IHSS recipient can hire a CareMatch caregiver for extra private hours.

• A veteran may use VA benefits to cover part of the cost and pay privately for the rest.

• Families with long-term care insurance can use a referral agency to hire approved caregivers.

Exploring every available option ensures your loved one receives the care they deserve — without unnecessary financial strain.

Final Thoughts

Affordable senior care is possible with the right mix of programs and resources. Whether your family qualifies for IHSS or prefers to hire privately through a referral agency, the goal is the same: keeping your loved one safe, comfortable, and cared for at home.

If you’re looking for trusted, affordable caregiver referrals in the San Fernando Valley, get matched with a caregiver today.