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I think that she has told you that she will not be available to help any more if you insist on the mask. Are you prepared for not having her?
Mom has been fine, things are getting better, why pick this battle now?
The lady giving your mom a bath really should be wearing a mask. She is showing complete disregard for your mom's safety! EVERYONE in any kind of health setting is wearing a mask now.
No, the chances she has COVID are probably, realistically, very small. But as she probably goes from place to place during the day, she is considered a very high risk 'spreader'.
Just let her go and follow JoAnn's advice. You will likely have better success asking around your neighborhood or church for help that is a better fit.
(BTW, my YB who is an EMT, changes his uniform out 3 TIMES A DAY during his 24 hour shift. B/C he spends his days doing elder transport. And we live in a state that has been (blessedly!) with relatively few cases.)
I have never worked with an agency. I would think, though, that one person would be assigned to you. That way Mom has someone she eventually knows and has a bond with. Having strangers all the time must be confusing.
What are the characteristics of the folks you don't care to have in your home?
Do you have evidence that they are dishonest?
If I had folks I didn't know coming into my home to care for as n elder or child, I would leave valuables around unsecured. That seems like common sense.