The aging is getting worse in China, and elders need more time to think what modes of care service they choose. But there are disparities in finance, education and medical resources distribution especially. With these disparities, this article is about the elderly's reasons for choosing home-based care, community care and institutional care service between urban and rural areas. The result of this research can be a starting point for the development of elder care in the future. Different solutions can be measured for the shortage of urban and rural areas. This research analyzes about thirty studies from CNKI from 2005 to 2022. By the way, the author made a questionnaire survey in a small city in Shandong Provence of the reasons for choosing these three modes. Elders' financial basis, traditional perceptions, health conditions, and workplace of their children are influence factors of the reasons for choosing home-based care in urban and rural areas. The quality of medical care, the ability to take care of the disabled and the medical resources the community provides have a foremost status for elders to choose community care. Economic basis and better service are the reasons for elders to institutions care.