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Page Reviewed / Updated – August 27, 2020
The 10 Best Assisted Living Facilities in Loma Linda, CA
Spanish for “beautiful hill,” Loma Linda lies up to its name. Set in the shade of the San Jacinto mountains, this town of roughly 24,000 people has a distinctly Latin ambiance. Streets lined with palm trees and Mission Revival-style architecture make the city a scenic option for seniors who want to stay in the groove.
With its temperate climate and excellent amenities, Loma Linda is an ideal retirement destination. The average low in December is just 51 degrees, so it’s easy to stay warm while Christmas shopping. With a number of great shopping malls and numerous excellent hospitals, Loma Linda offers its older residents both retail and medical therapy.
The median monthly cost of assisted living in Loma Linda is $3,525, which is considerably lower than the national median of $4,051. For this reason, seniors in Loma Linda save money as the years go on.
Note: Information for Loma Linda was not available, so data from the nearest city, Riverside, was used.
Read on to discover our list of the top 10 assisted living facilities in Loma Linda. Additionally, find out more about the cost of assisted living in Loma Linda and what financial assistance programs are available.
The Cost of Senior Living and Care in Loma Linda
The Genworth 2018 Cost of Care Survey shows that all types of senior care costs in Loma Linda are lower than the California median. The cost of adult day care in Loma Linda is $11 less than the state median, while for home care difference in price is $476. Seniors in Loma Linda pay $1,000 less each month for assisted than the state median and $806 less for nursing home care.
Note: Senior care cost data wasn’t available for Loma Linda, so the data for the closest city, Riverside, was used.
How much does Assisted Living Cost in Loma Linda?
The cost of assisted living in Loma Linda is among the lowest in California. Bakersfield has the most affordable assisted living at $3,150 a month and the cost in Loma Linda is $350 higher. This is less than larger cities in the state.
The cost in nearby San Diego and Los Angeles is $4,500 a month, $1,000 more than in Loma Linda, and seniors in San Francisco and San Jose pay $2,000 more each month than those in Loma Linda. The Santa Cruz area has the highest assisted living costs at $5,595 a month, $2,095 more than the cost in Loma Linda.
How much does Home Care Cost in Loma Linda?
Home care costs in Loma Linda are more affordable than nearby cities. Seniors in San Diego and Los Angeles pay $4,767 monthly, $286 more than those in Loma Linda. Prices are higher in other big cities in California, including San Francisco where the cost is $1,144 higher than Loma Linda. Napa has the least affordable home care in California at $5,911 a month, $1,430 more than in Loma Linda.
There are areas with lower costs than Loma Linda. The Visalia area has the most affordable home care in California, with seniors there paying $191 less each month than in Loma Linda.
How much does Adult Day Care Cost in Loma Linda?
Adult day care in Loma Linda costs $1,668 a month, which is very close to the state median of $1,679. The cost in nearby Los Angeles is $103 less than in Loma Linda, although other big cities including Sacramento and San Jose have slightly higher costs than Loma Linda.
The most affordable adult day care in the state can be found in the Hanford Area, where seniors pay just $867 a month, which is $801 less than those in Loma Linda. By contrast, seniors in Santa Rosa pay $2,362 a month for adult day care, $694 more than in Loma Linda.
How much does Nursing Home Costs in Loma Linda?
The cost of nursing home care in Loma Linda is $7,559 a month. While this is close to the cost in Los Angeles, nearby San Diego is almost $1,000 more expensive than Loma Linda. The price in some other big cities is higher, with seniors in San Francisco paying $9,148 a month, $1,589 more than those in Loma Linda. The most affordable nursing home care in California is found in the Visalia area, with a cost of $6,540, $1,019 more than Loma Linda.
Financial Assistance Programs in Loma Linda
Medicaid Program in Loma Linda
California’s Medicaid program provides free or low-cost medical coverage to eligible residents and is known as Medi-Cal. It also covers the cost of nursing home care for eligible seniors. As an entitlement, Medi-Cal is available to everyone who is eligible.
There are financial eligibility criteria for people wishing to receive regular Medi-Cal. The income limit for singles is $1,242 a month, with an asset limit of $2,000. This is the same for married couples where only one spouse is applying. When both spouses are applying the income limit is $1,682 a month and there’s an asset limit of $3,000.
There is no income limit for people in nursing home care, although residents must pay a “share of cost” towards their care and those with higher incomes pay more. Applicants for nursing home care must meet the same asset limits as those applying for regular Medi-Cal, although where an applicant is married and their spouse is not applying the non-applicant spouse can keep joint assets worth $126,420. This is the Community Spouse Resource Allowance.
When the value of an applicant’s assets is being calculated, not all assets are included. Assets that are counted include cash, stocks, bonds, checking accounts and real estate where the applicant doesn’t live. An applicant’s home is not included, as long as the applicant or their spouse reside there. Other exempt assets include burial trusts, furnishings, personal belongings and an automobile.
California has many pathways available to people who aren’t financially eligible for Medi-Cal. People with high medical costs may be eligible for the Medically Needy Pathway. This allows participants to pay for medical costs with their excess income and when they have paid their share, they are eligible for Medi-Cal for the rest of the period. Medicaid planning professionals can also help seniors find strategies for qualifying for Medicaid.
Medicaid Waivers in Loma Linda
Medi-Cal Assisted Living Waiver
Eligible seniors in Loma Linda may be able to receive financial assistance through the Assisted Living Waiver. It’s designed to help seniors remain living in the community instead of moving into a nursing home. The ALW reimburses assisted living facilities for the cost of services provided to residents, but program participants pay for their own room and board.
To be eligible, seniors must be willing to live in a facility in a participating county, which includes San Bernardino County. Applicants must be 21 years of age or older and require a nursing home level of care. They must also be enrolled in Medi-Cal, although the program is not available for those with a share of cost, such as people on the Medically Needy Pathway. They must also be able to safely reside in an assisted living facility. Further information can be found on the Department of Health Care Services website. Interested seniors can apply through a Care Coordinator Agency.
Community Based Adult Services Program
Community Based Adult Services is designed to delay or prevent participants from moving into a nursing home by helping them restore or maintain their ability to care for themselves. It’s available to seniors who are eligible for Medi-Cal and require help with at least two activities of daily living. Participants must also require a nursing home level of care or have a cognitive impairment.
Services offered by CBAS include nursing services, occupational or physical therapy, meals, therapeutic activities and personal care. More information is available from the California Department of Aging and applications are made to the local Area Agency on Aging.
Multipurpose Senior Services Program Waiver
Eligible Loma Linda residents can receive support through the Multipurpose Senior Services Program. Its aim is to help seniors remain in their home by providing services such as adult day care, meals, medication management and equipment that aids their functional capabilities. The services applicants actually receive depends on their needs.
Applicants must be eligible for Medi-Cal, aged 65 and over and need a nursing facility level of care. This is not an entitlement program, so applicants may be put on a waiting list. Further information can be found on the California Department of Aging website and applications are also made through this department.
Home and Community-Based Alternatives Waiver
The Home and Community-Based Alternatives Waiver helps people stay in their home or return home after a temporary nursing home stay. Applicants must need nursing home level care and be able to receive that care safely in their home. They must also meet the income requirements for Medi-Cal.
Waiting lists can apply for this waiver and priority goes to seniors already living in residential care facilities. Further information can be found on the Department of Health Care Services website. Applications are made through local HCBA waiver agencies. For Loma Linda residents, this agency is the Institute on Aging.
Other Financial Assistance Programs in Loma Linda
In-Home Supportive Services
The In-Home Supportive Services provides non-medical services to help eligible Californians stay in their homes. Participants must be California residents aged 65 and older. People younger than 65 are also eligible if they have a disability. The program is open to those who don’t receive Medi-Cal, although applicants must have applied for Medi-Cal and had their eligibility assessed. People living in nursing homes, assisted living facilities and adult foster care homes are not eligible for IHSS.
Many different services can be authorized through IHSS, including personal care services, meal preparation, chore services and grocery shopping. Participants are assessed to determine the types of help they require and are responsible for hiring people to provide these services. Some family members, including adult children, can be paid to care for participants through the program. Further information can be found on the Department of Social Services website. Loma Linda residents can apply through the San Bernardino County Department of Aging and Adult Services.
California Paid Family Leave
In California, caregivers can receive wage replacements for up to six weeks in a 12-month period through the California Paid Family Leave Act. This payment allows people to care for family members, including a parent, grandparent or parent-in-law, who are seriously ill. To be eligible, the caregiver must be a California resident and must have State Disability Insurance through their employer.
To receive the payment, the caregiver has to provide detailed medical information about their family members condition and the care they need. More information can be found on the Employment Development Department website and applications are made through the California State Disability Insurance website.
More Senior Living Resources in Loma Linda
The Housing Authority provides affordable housing to low-income residents. The authority has a number of programs, including low-cost public housing and the Housing Voucher program. Housing is available in many senior communities, although waiting lists may apply.
The Community Action Partnership administers the Home Energy Assistance Program in San Bernardino County. Residents may be eligible for assistance paying for their utility bill for gas, electricity, wood or propane. Income limits apply and are based on the number of people living in the household.
The Family Caregiver Support Program provides a range of services to help people who provide care for elderly relatives on an informal basis. Support available includes caregiver training and respite care in the home or an adult day care.
NPHS has a number of programs that help create innovative housing solutions in the community. The Healthy Homes Grant Program provides grants to help low-income seniors, veterans and homeowners with mobility disabilities pay for home safety repairs. This can include accessibility modifications such as grab bars and ramps.
Senior residents in San Bernadino are able to receive a transfer exclusion on a new home if it is of equal or lesser value to their old property, preventing a tax increase due to a reappraisal of the new home.
For additional information and planning, please read our comprehensive guide to paying for senior care in California.