Page Reviewed / Updated - June 10, 2019
This article provides information about paying for assisted living care, nursing home care and other senior services in Lake Forest, California. The guide offers links and information to many of the programs available to help seniors in the area. For more information about assisted living costs and assistance programs as they relate to the entire state, check out our guide on paying for senior care in California.
Assisted living care is less expensive in Lake Forest than in many of California's major cities. It is also cheaper than what residents pay in most of the smaller inland cities of Southern California. According to the Genworth 2018 Cost of Care Survey, nursing home care, adult day care and assisted living all cost less in Lake Forest than in the average California city.
Note: Senior care cost data wasn’t available for Lake Forest, so the data for the closest city, Los Angeles, was used.
Assisted living care in Lake Forest has an average cost of $4,500. That is the same as the California state median and less expensive than many of California's major coastal cities, including San Francisco and San Jose, where average costs are $5,500 per month.
As for nearby inland cities, Riverside and Bakersfield both have lower average monthly costs for assisted living, with Riverside averaging $3,500 a month and Bakersfield coming in even lower at $3,150 per month.
Home care costs in Lake Forest average $4,767 per month. That is $200 cheaper than the state median. It is also less expensive than what residents pay in many of California's larger cities, including San Francisco and San Jose.
San Francisco and San Jose residents pay close to $1,000 more per month on average for home care than people in Lake Forest, while older adults in San Diego and Sacramento pay similar costs to those paid by Lake Forest residents. The cheapest costs in Southern California are found more inland in places such as Riverside, where home care costs an average of $4,481 per month, and Bakersfield, where costs are even lower at $4,385 per month.
The cost of adult day care in Lake Forest averages $1,565 per month, which is roughly $100 less than the California state median. The cost of care in Lake Forest is not only less than what residents pay in most of the state's larger coastal cities but is also cheaper than the average costs in Southern California's inland towns and cities.
San Francisco, San Jose, San Diego and Sacramento residents all pay hundreds of dollars per month more than residents of Lake Forest, while residents of Bakersfield and Riverside pay about an average of $100 more per month for adult day care than Lake Forest residents.
The average monthly nursing home cost in Lake Forest is $7,604. This is much less than the state median of $8,365 and also less than the average costs in most of California's big cities.
San Francisco and San Jose both have average monthly nursing home costs of over $9,000, while costs in San Diego and Sacramento both average more than $8,500 per month. The inland cities of Riverside and Bakersfield have slightly lower costs than Lake Forest, both coming in at just under $7,600 a month.
California's Medi-Cal program is an entitlement that helps older adults in the state, including those living in Lake Forest, cover the costs of many senior care services, including assisted living, home care and skilled nursing. Medi-Cal has no enrollment caps or waiting periods. If you meet the eligibility requirements, you can apply and begin receiving services.
Medi-Cal has strict income guidelines. If you make under $1,012 for a single person or $1,372 for a married couple, you can receive Medi-Cal benefits at no out-of-pocket costs. Above those levels, a sliding income scale determines what the program covers and what you must pay out of pocket. Another qualifying criterion involves your total assets: they must not exceed $2,000 for a single person or $3,000 for a married couple.
You can apply for Medi-Cal benefits or receive more information by visiting the website or by calling (866) 613-3777.
Home and Community-Based Services (HCBS) Medi-Cal Waiver
The Home and Community-Based Services (HCBS) waiver helps seniors who need assisted living care but are still able to live somewhat independently. The waiver helps pay for in-home care as well as care received at a facility. You can apply or learn more by calling the program office directly at (213) 897-6774.
Assisted Living Waiver Program (ALWP)
Care Coordinators can assist seniors in applying for the Assisted Living Waiver Program, which pays for in-home and in-facility assisted living care. The income qualifications are the same as for Medi-Cal, and you must be a senior with a demonstrated need for assisted living care.
In-Home Supportive Services (IHSS)
The In-Home Supportive Services (IHSS) program helps Lake Forest seniors pay for in-home and in-facility care, and program participants are even able to designate a friend or loved one as their caregiver. To qualify for IHSS, you must be at least 65 and meet the income and asset requirements for Medi-Cal. Call (888) 944-4477 to apply or receive more information.
The PACE program pays for in-home care services to assist seniors with activities of daily living (ADLs). These include eating, toileting, bathing, dressing and transportation. To qualify, you must require assistance in at least one of these areas and be 55 or older. If your income is below the Medi-Cal threshold, you can receive PACE services free of charge. Even better, PACE is an entitlement, which means there is no waiting period to receive benefits if you qualify.
You can learn more or apply for benefits by visiting the PACE website.
Multi-Purpose Senior Services (MPSS) Program
Supportive Services Program
The Supportive Services Program also provides financial assistance for Lake Forest residents who need help with one or more ADLs, but unlike MPSS, it does not have a minimum age requirement. You can call (866) 563-7380 to find out more.
|Orange County Housing Choice Voucher Program||(714) 834-2182||The Orange County Housing Choice Voucher Program provides low-income seniors in Lake Forest with housing vouchers to use toward rent in the area.|
|The Arroyo at Baker Ranch||(949) 380-0311||The Arroyo at Baker Ranch is an affordable apartment complex that receives a government tax rate in exchange for offering below-market rents to seniors with incomes that are substantially below the area's median.|
|Orange County Housing Homeownership Program||(714) 480-2864||The Orange County Homeownership Program allows qualifying low-income seniors in Lake Forest to use their housing vouchers (available through the Housing Choice Voucher Program) toward mortgage payments, allowing them to own their own home.|