What to Ask Before Choosing a Home Care Agency: Licensed vs. Unlicensed

When your loved one needs care at home, your priority is finding support that is compassionate, reliable, and safe. But not all home care agencies are created equal—especially when it comes to licensing.

In California, all Home Care Organizations (HCOs) that employ caregivers are required to be licensed by the California Department of Social Services (CDSS). However, some families unknowingly work with unlicensed individuals or private caregivers who may not meet the same standards—especially when hiring independently. That’s where the biggest risks can arise. Understanding the difference—and knowing what questions to ask—can help you make an informed decision and protect your loved one.

What’s the Difference Between a Licensed and Unlicensed Home Care Agency?

Licensed Home Care Organizations (HCOs) are regulated by CDSS and must meet strict requirements. These include:

• Background checks and registration of all caregivers with the California Home Care Aide Registry
• Proof of liability insurance and workers’ compensation
• Ongoing training and supervision of caregivers
• Regular compliance monitoring and state oversight

Unlicensed Agencies or Independent Caregivers may not follow these standards. While they might appear more flexible or affordable, they lack accountability—and families often carry more risk, including liability if something goes wrong.

Source: CDSS Fact Sheet on Licensed vs. Unlicensed Home Care

Key Questions to Ask Any Home Care Provider

When evaluating a home care agency, asking the right questions can reveal a lot about their priorities—and whether they’re truly equipped to support your family.

1. Are you a licensed Home Care Organization (HCO) with the California Department of Social Services? Can you provide your HCO license number?
2. Are all caregivers registered and background-checked through the California Home Care Aide Registry, as required by law?
3. What training do your caregivers receive, and how is it updated over time?
4. As a licensed agency, do you carry both liability and workers’ compensation insurance, as required by CDSS regulations? 
5. What happens if a caregiver can’t make a shift? Ask about backup plans, communication, and support.
6. How do you match caregivers to clients? Look for an agency that considers compatibility—not just availability.

Why Licensing Matters—And How IOA Support at Home Goes Further

At IOA Support at Home, we go beyond just meeting the requirements of a licensed agency. We believe your loved one deserves care that’s not only safe, but personally meaningful and consistent.

What sets us apart:

• Dedicated care managers guide your family every step of the way.
• We emphasize caregiver matching—ensuring comfort, compatibility, and trust.
• Our caregivers are highly trained, background-checked, and supported with regular in-person training.
• We prioritize communication and continuity to reduce stress and support peace of mind.

Choosing the Right Care, with Confidence

Bringing someone into your loved one’s home is a big decision. You deserve to feel confident that the care being provided is safe, respectful, and tailored to your family’s needs.

If you’re exploring care options and want support navigating your next steps, we’re here to help.

Contact IOA Support at Home to learn more about our licensed services and how we help families feel supported from day one.