A nurse sitting with a member at home, taking notes during a visit

Receive home care services
Medicare doesn’t cover*

Maintain your independence in the home you love!

*Centers for Medicare & Medicaid Services. (2026). Medicare & You 2027, p. 58.

An older couple sitting at their dining table, looking at a laptop together

Innovative Membership Plans

We specialize in innovative membership plans that serve individuals ages 18 to 85. Care Advantage 360 was built for people who want a plan in place long before care is ever needed.

Think of it like AAA, for home care
Join our membership plan before you ever need it, and when something happens, your benefits are already in place. With Care Advantage 360, you also choose who provides your care, whether that is a caregiver you hire or a friend or family member.
AAA is a registered trademark of its owner and is used here for comparison only. Care Advantage 360 is not affiliated with, endorsed by, or sponsored by AAA.

Plan Ahead for the “What If”

Plan ahead for the “what if” when your health unexpectedly changes and avoid nursing home confinement. We designed Care Advantage 360 home care plans with a commitment to serve mature Americans with dignity.

Our clients have the advantage to choose, be in control, and age in the comfort of their homes.

A woman relaxing at home with her dog, looking out a sunlit window

Member Care Resources

Older adults using laptops side by side at a community learning session

Health & Wellness Resource Hub

Included for free in every Care Advantage 360 membership is the most comprehensive library of care resources, money-saving legal documents and useful everyday information assembled in one place for members and their families.

A few of the tools inside
Create a Living Will & Durable Power of Attorney
Create legal documents available in all 50 states that guide others on your healthcare wishes if you are ever unable to consent to treatment.
Caregiver Information
Find tips, advice, resources and much more for caregivers.
Home Safety Assessment
See where accident risks exist in your home, get a safety score, and follow tips to make it safer.
Care Facilities
Search nationwide for providers offering long- and short-term care, by zip code or city and facility type.
Hospitals and Clinics
Search for hospitals and medical facilities anywhere in the country, with services provided and Medicare eligibility.
Pet Care
Get information about pet sitting and kennel services, along with access links to other pet resources in your area.
You and your family get 24/7 access to these tools and many more in our comprehensive resource hub

Why Plan Now

Someone turning 65 today has nearly a 70% chance of needing long-term care support, and 1 in 5 will need care for more than five years.

1 IN 5
will need care for more than five years

The Need Grows With Age

The number of Americans over age 65 is expected to rise from 55.8 million in 2020 to 83.7 million in 2050, and 40% of those adults will need daily assistance.

100M80M60M40M20M0
Americans age 65+
55.8M
83.7M
2020
2050

Most people plan to stay put. 75% of Americans age 50 and older would like to live in their current home for as long as possible.

Staying home is what most people want. Paying for the care that makes it possible is what often goes unplanned. A Care Advantage 360 membership puts a daily cash benefit in place before care is needed, so staying home does not come down to what you can afford out of pocket.

75% of Americans age 50 and older would like to live in their current home for as long as possible 75%
want to stay in their current home

Administration for Community Living (ACL), U.S. Department of Health and Human Services

Population figures: U.S. Census Bureau, 2020 Census and An Aging Nation: The Older Population in the United States (P25-1140). Daily-assistance figure: Modern Healthcare, “Home healthcare industry braces for another Medicare cut,” Lisa Schencker, June 28, 2016.

Aging-in-place figure: AARP 2024 Home and Community Preferences Survey, fielded Summer 2024.

Who We Serve

Americans want the freedom and choice when it comes to care, and Care Advantage 360 checks all the boxes when it comes to a care solution. We serve mature Americans and their families who want to stay home, stay independent, and keep control of how their care happens.

Listen to what our seniors and a preferred provider have to say…

Our seniors
I had no other home care insurance options in the state of WA, and my Care Advantage 360 membership plan gave me peace of mind and home care protection I wouldn’t have had otherwise.
Mary S. Washington state
Our seniors
One of the things I like best about the Care Advantage 360 membership plan is that the rate is the same for all ages and does not discriminate by gender.
Lisa S. California
Our preferred provider
At Amada, we feel it’s important to work with a premium membership plan like Care Advantage 360. This solution fills a critical gap in funding senior care. Families now have an option to pivot into home-based care if desired.
Tafa Jefferson Founder & CEO, Amada Franchise, Inc.

All Care Advantage 360 home care plans are:

Service contracts
Membership-based
NOT insurance
Our core values

Member Commitment

Everything we do comes back to one commitment to our members, and it shows up in multiple ways.

Service
Real help with the everyday things, delivered by people who show up.
Independence
You choose your care and stay in control of it, aging in the home you love, on your own terms.
Dignity
Mature Americans deserve respect at every stage of life: care that protects privacy and pride.
Partnership
We have representatives across the country, so there is someone nearby wherever you live.
Family
Care that relieves loved ones instead of relying on them, and keeps families close.

Who We Are

At Senior Optimum Services, our company letters represent our mission: SOS.

We want the seniors we serve to know that we stand ready at all times to offer SOS, aka HELP.

Our team brings over 175 years of experience collectively working and helping seniors across care planning: home care, long-term care, and related areas such as financial services, mortgage solutions and navigating Medicare options. That range of expertise gives us a real sensitivity to what seniors face when planning ahead for an unexpected change in health during their retirement years.

Family alone cannot fully bear the financial, emotional and psychological toll that comes with caregiving. Shifting some of that burden to a Care Advantage 360 membership plan can be an important lifeline at a time when a senior may need help the most. At SOS, we are here to help navigate those waters, and be the lighthouse that can be the care solution beacon!

We recognize Care Advantage 360 is not the perfect panacea, but having some financial protection in place before care needs arrive at the front door of the home is sound planning! It is better than having none at all, bearing 100% of the financial burden alone and relying on family or the government. Having to react to a care situation rather than plan for it can be financially devastating, to a senior and to the loved ones they turn to.

Our many years of experience have taught us that most seniors want five things when it comes to care:

  • Maintain independence
  • Not be a burden to family
  • Not have to rely on the government
  • Stay in control of their care
  • Have choice on who provides care and where care is received

Contact Us

Contact us for a free brochure and a no-obligation consultation with a representative.