Page Reviewed / Updated - May. 2019
This guide is intended to help seniors find their preferred type of senior living in Garden Grove. It is meant to point the way toward feasible methods to pay for care, including local resources. For more information, please read our comprehensive guide to paying for senior care in California.
Senior living in Garden Grove is generally less expensive than similar levels of care around the rest of California, according to the 2018 Genworth Cost of Care Survey. Seniors in Garden Grove pay $1,000 less for assisted living than the California average for the same level of residential care. Prices are closest in adult day care, with only an $11 difference between Garden Grove and the state.
Note: Senior care cost data wasn’t available for Garden Grove, so the data for the closest city, Riverside, was used.
Assisted living in Garden Grove costs seniors an average of $3,500 a month. This is exactly the cost reported in Stockton, but significantly below the average cost of assisted living statewide. Prices for care in California are $4,500 a month, a price point also reported by the cities of Los Angeles and San Diego. Across the state, the highest costs for assisted living are in San Jose and San Francisco, which both report monthly rates as high as $5,500. Bakersfield averages the lowest cost among surveyed cities, at just $3,150 a month for assisted living.
Home care in Garden Grove costs an average of $4,481 a month. This is nearly $500 a month less than the average in the state of California, where costs come to $4,957. California's highest reported costs for home care are in San Francisco and San Jose, where prices are $5,625 and $5,720, respectively. Some of the lowest costs in California are to be found in Chico and Bakersfield, where monthly rates are $4,433 and $4385, respectively, or roughly $50 to $100 more per month than Garden Grove.
Adult day care costs in Garden Grove, at $1,668 a month, are close to the state average of $1,679. Seniors in Garden Grove pay a price very close to both Stockton, which matches the state at $1,679, and Bakersfield, where adult day care runs to $1,653. The highest cost for adult day care among surveyed California cities is in Chico, where seniors pay an average of $2,134 a month. Los Angeles reports some of the lowest costs, at $1,565 a month.
Nursing home care in Garden Grove costs an average of $7,559 a month for a semi-private room. The state average is well above this price, at $8,365 for similar residential nursing care. Across the state, some of the highest prices are found in San Jose and San Francisco. Nursing care in these two neighboring cities costs $9,125 and $9,148, respectively. Seniors in Bakersfield, on the other hand, pay some of the lowest rates in California, at an average of $7,513 a month for a semi-private room.
Seniors in Garden Grove who need financial assistance with the cost of residential care may be able to get coverage from the state Medicaid program, known in California as Medi-Cal. This program is structured as an entitlement, which means all seniors in Garden Grove who meet the income and other eligibility standards may enroll and receive care, without waiting periods or enrollment caps due to limited space. Medi-Cal generally delivers care through an in-state network of private health insurance carriers, such as Blue Cross/Blue Shield or Kaiser Permanente. These carriers offer both HMO and PPO options seniors in Garden Grove may choose from during the programs' open enrollment period at the end of each year.
Medi-Cal pays for most of the medical expenses left uncovered by standard Medicare plans. Common benefits include preventive care and access to specialists, as well as emergency care and some prescription medications.Medi-Cal plans differ in their details, but most also cover some residential care options, such as nursing home care and adult day care. The program also offers caregiver support for seniors who need assistance to remain in their own homes or in the homes of their relatives. This benefit, known as the In-Home Support Services (IHSS) program, pays caregivers hired by seniors for the help they render in the recipient's own home. Caregivers must pass a background check and attend training, but they can be spouses, friends and family members of the senior receiving benefits.
Seniors in Garden Grove are considered eligible for Medi-Cal coverage if they are citizens or legal residents of the United States, over age 65 or disabled, and can demonstrate a medical need for health insurance. Applicants must also demonstrate financial need and meet intake requirements for income from all sources. The threshold for no-cost coverage is set at 138% of the federal poverty line, which in 2018 put seniors' maximum countable income at $16,395 a year. Married couples can earn up to $22,108 a year, and each additional adult who lives in the senior's household adds an extra $5,741 a year to the allowable income, whether the other adults apply for Medi-Cal or not. Seniors who earn between 138% and 300% of the federal poverty line can still generally qualify for Medi-Cal coverage, though they may be asked to pay a share of cost or spend down before receiving coverage.
Seniors can apply for Medi-Cal in person, at the Orange County office of the Department of Health and Human Services, or online at the Covered California website. Seniors who have already been approved for a number of other means-tested entitlement programs are automatically considered eligible for Medi-Cal in California. Since these programs use the same admission criteria as Medi-Cal, acceptance into any of them is taken as preliminary admission for Medi-Cal coverage. The list of compatible programs includes:
Assisted Living Waiver Program (ALWP)
Medi-Cal's Assisted Living Waiver Program (ALWP) is a cost-saving program that encourages seniors who qualify for nursing home care to opt for assisted living instead. The waiver pays directly toward the monthly cost of care for qualifying seniors, but it does not cover any of the cost of a personal caregiver or physical therapist.
Seniors can apply for an ALWP waiver through the benefits coordinator at their residential care facility. Alternatively, seniors in Orange can apply for a waiver directly from a Medi-Cal worker, or through the Medi-Cal website. Benefits are restricted to participating assisted living facilities in just 15 California counties, of which Orange County is one.
Multipurpose Senior Services Waiver
Seniors in Orange who qualify for an ALWP waiver may also qualify for a Multipurpose Senior Services Program (MSSP) waiver. This waiver operates much like the ALWP, but it covers many of the costs seniors need to pay to safely remain at home. Benefits can be provided for seniors who live in their own homes, the homes of family members or other private residences. Applications can be submitted through a Medi-Cal worker. Covered benefits include:
Home and Community-Based Alternatives (HCBA) Waiver
Seniors in Orange can get help from the Home and Community-Based Alternatives (HCBA) waiver when they're moving out of residential care and back into their own homes. Meant for seniors who are leaving residential care, this waiver combines the benefits of several older programs to pay some of the costs of moving and getting resettled back at home, including some caregiver benefits and both durable and disposable medical supplies. Applications may be submitted at the time of discharge by residential care benefits coordinators.
Community-Based Adult Services (CBAS)
Community-Based Adult Services (CBAS) waivers help cover the cost of adult day care for seniors in Orange. Funds are delivered directly from Medi-Cal, and can be applied for through a Medi-Cal worker. Benefits of the program include supervision for seniors who need constant attendance, some meal service, including delivery at home, and physical and mental therapy, which may be delivered at a facility or in the seniors' own home.
Paid Family Leave
Family members of seniors in Garden Grove may be able to take up to six weeks of paid leave from work under California's Paid Family Leave Act. Benefits are paid bi-weekly and may be spent like any other paycheck. Applicants must be immediate family members of the senior, who must have a medical recommendation for caregiver assistance prior to approval. Applications are processed by the state Employment Development Department.
|Orange County Housing Authority (OCHA)||(714) 834-2182||OCHA administers the federal Section 8 housing voucher program for smaller and unincorporated communities in Orange County. Section 8 applicants generally apply to join a waiting list directly through an OCHA office or by phone. Applicants on the list are contacted as spaces come available nearby.|
|Community Action Partnership of Orange County||(714) 839-6199||Community Action Partnership of Orange County takes applications from Garden Grove seniors for the state-funded Low-Income Home Energy Assistance Program (LIHEAP). Recipients who are approved for LIHEAP may pay up to 50% less each month for home energy and utility bills, with emergency help available for disconnect notices. Applications are taken on a walk-in basis at all Orange County CAP offices, though seniors can call for information about program requirements before visiting.|
|ReadyOC||(714) 663-8188||ReadyOC helps Garden Grove seniors prepare their homes for natural disasters, such as earthquakes and fire. The program pays for safety-related home improvements and can be applied for by phone.|
|Orange County Community Services||(855) 886-5400||Orange County Community Services maintains a user-friendly list of current openings for local low-income housing in each of the 18 cities around the county. Veterans and seniors aged 65 and over get preference in low-income housing placement, which minimizes the time they spend on the waiting list. Orange County social workers can sign Garden Grove seniors up for the program, or seniors can apply directly at the management office of a listed property and ask for placement.|