Frequently Asked Questions about Home Care

At Coastal Comfort Caregivers, we offer a wide range of non-medical home care services designed to enhance the quality of life for seniors and individuals in need of assistance. Our services include personal care assistance with activities of daily living such as bathing, grooming, and dressing; mobility support; light housekeeping; meal preparation; companionship to reduce isolation and promote emotional well-being; and respite care for family caregivers. Our compassionate team is dedicated to providing personalized care that fosters independence, safety, and comfort, ensuring that your loved ones receive the support they need to live with dignity and joy in the comfort of their own home.

Home Care Organizations (HCOs) with Home Care Aides (HCAs) can accept several types of insurance coverage to help manage the cost of care. The types of insurance may vary based on the services provided, the state, and the specific policies of the HCO. Below are common types of insurance that HCOs may accept:

1. Long-Term Care Insurance: This type of insurance is specifically designed to help cover the cost of non-medical services like personal care, housekeeping, and companionship provided by HCAs. Many people use long-term care insurance to pay for home care services.
    
2. Medicare (Limited Coverage): While Medicare typically covers only medical care, it may provide limited coverage for home health services, such as nursing or physical therapy, under specific conditions. However, non-medical home care services like personal care or companionship are generally not covered under Medicare.
    
3. Medicaid: Some states offer Medicaid programs that cover home care services for low-income individuals who meet eligibility requirements. Medicaid can cover non-medical home care services like assistance with activities of daily living (ADLs) in certain cases, but the coverage varies depending on the state and program.
    
4. Veterans' Benefits: Veterans may be eligible for home care services through the Department of Veterans Affairs (VA) if they meet the requirements for home care assistance. This may cover personal care services provided by HCAs, depending on the specific VA program.
    
5. Private Health Insurance: Some private insurance plans may offer limited coverage for home care services, particularly if the services are linked to a medical condition or prescribed by a physician. Coverage can vary widely depending on the insurer and plan.
    
6. Worker’s Compensation Insurance: In certain cases, if an individual is recovering from a workplace injury, worker's compensation insurance may cover the cost of home care services, including assistance from an HCA.
    
7. CalOptima/Medi-Cal: The CalAim program through CalOptima offers services for individuals who are in the process of receiving an In-Home Supportive Services (IHSS) caregiver or undergoing redetermination or changes in their Medi-Cal eligibility. It provides interim caregiver services to support individuals in need during this transition period.
    

It's important to contact your insurance provider to inquire about programs that you may qualify for or coverage you may have. 

To start services with us, you can call us at (949) 441-1102 and we will schedule an initial assessment with one of our care coordinators.  We will work closely with you every step of the way to ensure a smooth and seamless transition, making the intake process quick and easy so your loved one can begin receiving care as soon as possible. 

Licensed Care (HCO)
With licensed care, caregivers are required to be registered Home Care Aides (HCAs), having completed necessary training, background checks, and tuberculosis clearances. The Home Care Organization (HCO) manages caregiver schedules, compensates for time off, and provides replacements when needed. If issues arise, the HCO maintains clear communication and is accountable for compliance. Additionally, the California Department of Social Services (CDSS) oversees HCOs, investigating complaints and enforcing penalties for non-compliance.

Unlicensed Care (Referral Agencies, Private Hires, etc.)
Unlicensed caregivers may not have formal training and could potentially have a criminal history, posing risks to your safety. These caregivers are often independent contractors, meaning there is little oversight, and issues like poor performance, absenteeism, or lack of qualifications may arise. CDSS does not regulate or investigate complaints against unlicensed care providers, leaving you with limited recourse if problems occur.

Employer Responsibility
In licensed care, the HCO handles all employer responsibilities, including workers’ compensation, unemployment insurance, and payroll taxes. With unlicensed care, you may be personally responsible for legal liabilities, such as workers' compensation claims or tax issues, making it a riskier and less protected option.

“What is your Home Care Organization license number?”

“May I have your HCA ID and the name as it appears on your registration so I can search the Home Care Aide Registry?”

CDSS has two public websites for consumers to ensure HCOs are licensed and HCAs are registered:

• Search for a licensed HCO: https://www.ccld.dss.ca.gov/carefacilitysearch

• Search for a registered HCA: https://www.ccld.dss.ca.gov/hcsregistry/registrysearch

At Coastal Comfort Caregivers, we believe in flexibility and understanding. You are never locked into a rigid agreement with us. We work with you to ensure that your care plan is always aligned with your needs, and if those needs change, we adjust the services accordingly—without the burden of long-term commitments. Your satisfaction and peace of mind are our priorities, and we’re here to provide the support you need when you need it. 

At Coastal Comfort Caregivers, we understand that every situation is unique. Based on your specific needs and preferences, we can provide a caregiver either immediately or at a time that’s most convenient for you. Whether you need urgent assistance or prefer to schedule care in advance, we are committed to ensuring you receive the right support exactly when you need it. Simply reach out, and we’ll work with you to arrange the care that best fits your situation.

Yes, absolutely! At Coastal Comfort Caregivers, we believe in giving you the control and peace of mind you deserve. If you would like, you can help choose your caregiver and even meet them in advance to ensure they are the right fit for you or your loved one. We want you to feel completely comfortable with the caregiver we assign. And if, at any time, you feel that a change is needed, we’ll work with you to find a caregiver who better suits your needs—until you are fully satisfied with the care you receive. Your comfort and happiness are our top priorities.

When you hire a caregiver privately, you become the employer, which comes with a number of responsibilities and risks. Here are just a few of the factors to consider when hiring privately:

1. Payroll and Taxes: As the employer, you are responsible for all state and federal payroll taxes. This can quickly become complicated and time-consuming.
2. Workers' Compensation Insurance: You’ll need to ensure that your caregiver is covered by workers' compensation insurance. If not, you could be held liable for any injury claims that occur while the caregiver is working in your home.
3. Disability and Claims: If the caregiver files for disability or makes any claims against you, you’ll need to be prepared to handle those situations and associated costs.
4. Caregiver Absence: What happens if the caregiver doesn’t show up for work? Are you prepared to stay home and provide care yourself, or do you have backup options?
5. Background Checks: Are you able to run thorough, national criminal background checks on the caregiver? How confident are you in the safety of your loved one?
6. Supervision: Who will oversee the caregiver’s work and ensure they are providing the right care? Without proper supervision, the quality of care may be inconsistent.
7. Bonding Against Theft: Is the caregiver bonded? If not, you could be at risk for theft or other issues that arise in the home.

At Coastal Comfort Caregivers, we handle all of these concerns for you. We take care of payroll, taxes, insurance, and background checks, so you don’t have to. Our caregivers are fully screened, trained, and supervised, ensuring you receive high-quality care without the added responsibility of being the employer. You can rest easy knowing that if a caregiver is unavailable, we can quickly provide a replacement, and we’re always here to manage any issues that may arise.

Choosing Coastal Comfort Caregivers means you don’t have to worry about the logistical challenges of hiring privately—we take care of it all, allowing you to focus on what matters most: your loved one’s well-being.

At Coastal Comfort Caregivers, we understand that the cost of care is an important consideration for families, and we strive to provide affordable options that allow your loved ones to stay in the comfort of their own home while receiving the care they need. Here’s why hiring us can be a more cost-effective solution compared to other options:

1. Coast of In-Home Care V's Fertility Care 

Hiring Coastal Comfort Caregivers is often more affordable than placing a senior in a nursing home or assisted living facility. When you choose in-home care, you pay only for the services your loved one needs. This eliminates unnecessary costs like room and board, facility overhead, and other fees associated with institutional care. You can have a customized care plan that fits your budget and your loved one’s specific needs.

2. Maintain Independence in the Comfort of Home 

One of the biggest benefits of in-home care is that your loved one can remain in their familiar environment, surrounded by loved ones and cherished belongings. This promotes emotional well-being and a sense of independence, which is not always possible in a facility. Research shows that seniors who receive care at home are often happier, healthier, and more active, which can reduce the need for expensive medical interventions in the future.

3. Flexibility and Ease of Scheduling 

With Coastal Comfort Caregivers, you have the flexibility to choose exactly how much care is needed and when. You can easily adjust care days or add extra shifts on short notice to accommodate changes in your loved one’s needs. This flexibility ensures you’re only paying for the care required, making it a more affordable option than facilities where you may be locked into a fixed schedule and fee structure.

4. Easy Access to Updates Through Our Online Portal 

Staying informed about your loved one’s care is easy with our HIPAA-compliant online portal. You can receive real-time updates on care progress, daily notes, and health status, which keeps you in the loop without having to make constant phone calls or visits. This transparency helps you stay connected and confident in the care being provided, while also eliminating the need for unnecessary interventions or additional costs.

5. Customizable Care Plans to Fit Your Budget 

At Coastal Comfort Caregivers, we understand that each situation is unique. Our services are customizable, allowing you to create a care plan that fits your loved one’s specific needs and your budget. Whether you need a few hours of care a day or more extensive support, we can work with you to find a solution that is both effective and affordable.

6. Quality Care for a Fraction of the Cost 

Our dedicated caregivers are trained to provide high-quality, compassionate care in the comfort of your loved one's home. This type of personalized care can often be more effective and affordable than paying for institutional care or more intensive medical services.

7. Short-Term or Long-Term Care Flexibility 

Whether you need temporary respite care or long-term assistance, we provide the flexibility to adjust services as your loved one’s needs evolve. This way, you can avoid overpaying for unnecessary long-term commitments and only pay for the services needed at any given time.

Conclusion 

At Coastal Comfort Caregivers, we believe that high-quality care should be accessible and affordable. By choosing in-home care, you’re giving your loved one the opportunity to thrive in a familiar, loving environment while keeping costs manageable. If you have questions about our services or need help creating a care plan that fits your needs and budget, don’t hesitate to reach out to us. We are here to support you and your loved ones on this journey.

Contact us today to learn more about how we can help!

At Coastal Comfort Caregivers, we provide a HIPAA-compliant Family Portal that allows you to stay informed about your loved one’s care in real time. You can log in at any time to view caregiver notes, daily updates, and any changes in their condition or routine.

Can I make Changes to the care plan or schedule? 

Yes! Through our Family Portal, you have the ability to request changes to the care plan, adjust schedules, and add or remove services as needed. Our goal is to provide flexible, personalized care that meets your family’s evolving needs.

What if I have concerns or need to speak with someone? 

We encourage open communication! You can always reach out to our agency directly through the Family Portal or by phone. Whether you have questions, concerns, or want to discuss adjustments to care, we are here to support you every step of the way.

Can I make payments through the family portal? 

Yes! Our secure portal allows you to conveniently view invoices, make payments, and manage billing details online. This makes it easy to stay on top of services without the hassle of paper billing.

How do I access the family portal? 

Once care services begin, you will receive a unique login to our secure Family Portal. You can access it from your computer, tablet, or smartphone, ensuring that you are always just a click away from updates and communication.

How does the portal help me feel involved in my loved one's care? 

Our Family Portal is designed to give you peace of mind and control over your loved one’s care. By staying informed, communicating easily with caregivers, and being able to adjust care as needed, you remain an active part of the process—no matter where you are.

What if I need additional assistance using the portal? 

If you ever need help navigating the Family Portal, our team is happy to guide you through the process and answer any questions to ensure you can fully utilize its features.

💙 At Coastal Comfort Caregivers, we believe that family involvement is key to providing the best care possible. Our Family Portal keeps you connected every step of the way!

Yes, if you prefer that the caregiver drives the client’s vehicle, we require a Client Transport Waiver to be signed by the client or their representative. This ensures that the caregiver is authorized to drive the vehicle and that all necessary requirements are met.

What are the requirements for a caregiver to drive the client's vehicle? 

• The client or their representative must sign a Client Transport Waiver allowing the caregiver to drive their vehicle.
• The vehicle must be properly insured and in safe working condition.
• The client must add the caregiver as an authorized driver on their auto insurance policy.

Will I be charged mileage reimbursement if the caregiver uses my car? 

No. When a caregiver drives the client’s vehicle, there is no mileage reimbursement charge for trips made on behalf of the client.

What if I prefer that the caregiver drives their own car? 

If a caregiver uses their personal vehicle to transport a client, mileage reimbursement will apply. The standard mileage rates for 2025 are: 70 cents per mile for business-related purposes. This can be discussed during the care planning process to determine the best transportation option for your needs.

What if I have additional questions or concerns? 

Our team is happy to assist you with any questions regarding transportation policies. Feel free to contact us for more details about our caregiver driving policies and procedures.

💙 At Coastal Comfort Caregivers, we ensure that all transportation arrangements prioritize safety, compliance, and client convenience.

Under California labor laws, caregivers, including Home Care Aides (HCAs), must be provided with appropriate meal breaks while on duty. The law ensures that caregivers receive adequate time to eat while continuing to provide care in a safe and professional manner.

Key Meal Break Regulations: 

1. Meal Break Timing: Caregivers must be provided with a meal break of up to 30 minutes after working five (5) consecutive hours, whenever practical.
2. On-Premises Requirement: Home Care Aides must remain at the client’s residence during meal breaks due to the nature of their responsibilities.
3. Live-In Caregivers: Caregivers assigned to live-in schedules are entitled to three (3) meal breaks per day to ensure proper rest and nutrition.

Additional Considerations: 

• Employers must provide a reasonable opportunity for caregivers to take their meal breaks.
• If a caregiver is required to remain on duty during their meal break due to client needs, they may be entitled to compensated meal periods under California wage laws.
• Caregivers must remain at the client’s residence during meal breaks and should bring a packed lunch, as leaving the home is not permitted. 
• Employers must comply with California's Domestic Worker Bill of Rights, ensuring fair work conditions for caregivers.

💙 At Coastal Comfort Caregivers, we adhere to all California labor laws to ensure the well-being of our caregivers while maintaining the highest standard of client care.

In the event of a medical emergency, the procedure will depend on the client’s location:

• If the client resides in a facility: The facility's emergency procedures will be followed, and the caregiver will adhere to the established protocols for emergencies.
• If the client is in a private home: In the absence of a family member, the caregiver will assess the situation and make a determination whether to call 911 for emergency medical services. The caregiver will immediately contact the Coastal Comfort Caregivers office, and our care staff will promptly inform the family members about the situation.

At Coastal Comfort Caregivers, the safety and well-being of our clients is our top priority, and we are committed to handling any emergencies with care and professionalism.

Services Provided by Coastal Comfort Caregivers

1. Does Coastal Comfort Caregivers provide meal preparation and cooking?
Yes, meal preparation and cooking are part of the services we offer. Our caregivers can assist with planning, preparing, and serving nutritious meals tailored to the client’s dietary preferences and needs.

2. Are light housekeeping services included in the care?
Yes, light housekeeping is included in our services. This can include tasks such as cleaning common areas, laundry, dishwashing, trash removal and other light household chores to ensure a clean and safe environment for the client.

3. Can the caregiver assist with caring for pets?
Yes, our caregivers can assist with pet care, including feeding, walking, and ensuring the safety and well-being of pets while you or your loved one receive care.

At Coastal Comfort Caregivers, we aim to provide comprehensive, compassionate support to meet the individual needs of each client.