Eldercare financial assistence locator. Discover all your options. Search over 400 programs.
Paying for Senior Care Logo
Our goal is to help families find the means to pay for senior care by providing objective information and interactive tools on our ad-free, easy-to-use and comprehensive website.  Read More

Medi-Cal Assisted Living Waiver Program

Page Reviewed / Updated - Jul. 2019

What is a Medicaid Waiver? For persons with limited financial resources, Medicaid pays for nursing home care. For those who wish to live at home or in assisted living, sometimes Medicaid will pay for care in those locations if it can be obtained at a lower cost than in a nursing home. It does this through "Medicaid Waivers," which are also called Home and Community Based Services (HCBS) Waivers or Waiver Funded Services.

Waiver Description

The state of California recognizes that individuals qualified for nursing home care can often receive the same level and quality of care in an assisted living residence at a lower cost. The Assisted Living Waiver Program (ALWP) serves seniors who need long term care assistance with personal care and household tasks. Most seniors and their families prefer an assisted living environment rather than a nursing home facility, thus creating a win-win scenario for the state and for families. The Assisted Living Waiver Pilot Project was initially approved in 2009 and was amended and approved for another 5 years in July of 2018.

This program is open to residents statewide. However, there are not providers available in every county. Participants must be willing to live in an assisted living residence located in one of the following counties: Alameda, Contra Costa, Fresno, Kern, Los Angeles, Orange, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Joaquin, San Mateo, Santa Clara, and Sonoma.

The California Department of Health and Human Services requires that participants in this waiver program contribute to their room and board costs. In 2019, the “room and board rate” is approximately $1,039 per month or $1,059 per month, depending on one’s income. For those who cannot afford this minimum monthly expense, they may be able to a find a spot in a publicly subsidized housing apartment.

Did You Know?  In California, the cost of assisted living can vary by 50% even in the same city.  Free assistance is available to help seniors find assisted living within their means.  Get help here.

Eligibility Guidelines

To qualify, applicants must be a minimum of 21 years old who have a need for both a specific level and type of care and meet the financial restrictions. Individuals must be qualified for nursing facility care, but not require so much care that it becomes prohibitively expensive to receive that care in an assisted living environment. Ultimately, the state and the assisted living residence will determine whether the resident's care needs can be met by the facility.

Financially, the Assisted Living Waiver has the same eligibility requirements as Aged and Disabled Medi-Cal. (Please note that these requirements differ from regular Medi-Cal requirements.) The Aged and Disabled requirement considers both the applicant's income and his/her assets. As of April 2019, the state set the monthly income limit at $1,271 for a single applicant and at $1,720 for a married couple who are both applying together. When only one spouse needs assisted living care, only income in his/her name will be counted towards the individual income limit. Please note that the income limits increase in April of each year.

The asset limit, which includes most of the individual or couple's total resources except for the home and vehicle, cannot exceed $2,000 for an individual or $3,000 for a couple. That said, there are several assets that are considered non-countable towards the asset limit. These include one’s home (given a non-applicant spouse lives in the home or the applicant expresses a desire to return to the home), household furnishings, personal items, and a vehicle. Unlike with income, if only one spouse of a married couple is applying for Medi-Cal, all assets are considered jointly owned by the couple. However, there is a spousal impoverishment rule in place for the non-applicant spouse called a Community Spouse Resource Allowance (CSRA). This rule allows the non-applicant spouse to retain up to $126,420 (as of 2019) of the couples assets, protecting him/her from having too little assets from which to live. Learn more about Medicaid and jointly owned assets here.

Individuals who are Medi-Cal eligible through share of cost, are not eligible to participate in the Assisted Living Waiver. 

Persons who have income or assets slightly greater than the allowable income limits can still qualify for this waiver. Unfortunately, individuals who qualify for Medi-Cal through the Share of Cost option are not allowed to participate in the Assisted Living Waiver. Certain consistent medical expenses can be deducted from the applicant's income to allow them to qualify without having a Share of Cost.

Families interested in learning more about whether this option would work for them should contact an adviser who is familiar with the Assisted Living Waiver requirements. Such a benefits expert may be able to help them prepare their financial resources so that they qualify.

Benefits and Services

A Medi-Cal social worker works with each participant, and sometimes their family, to draft a personalized care plan. The plan recommends services they need. The following is a list of all of the available services and supports included in this waiver: 

  • Assistance with activities of daily living such as bathing, grooming or toileting, eating, and mobility
  • Assistance with the instrumental activities of daily living such as transportation and medication administration
  • Health related services including skilled nursing if necessary
  • Social and recreational activities
  • Prepared meals
  • Housekeeping and laundry
  • Nursing home transition care

The Assisted Living Waiver does not cover room and board costs. However, for low income Californians, state Supplemental Security Income may provide additional funds towards room and board.

How to Apply / Learn More

To learn more about the Assisted Living Waiver, which is administered by the California Department of Health Care Services (DHCS), click hereInterested individuals should contact the Area Agencies on Aging for the counties listed below to discuss availability and determine whether there is a waiting list. If you have a particular residence already in mind, then check whether they are participating in the assisted living waiver.

To apply, the first step is to submit a Medi-Cal application to your county Department of Human Services. Once enrolled in Medi-Cal, the next step is to request the Assisted Living Waiver by contacting one of the care coordinating agencies listed here. The full process can take between 3 to 6 months.

The Assisted Living Waiver Program is currently available in the following 15 California counties.  Again, it should be emphasized that program participants are not required to currently reside in these counties, only to move to an assisted living residence that is located within one of these counties.

  • Alameda
  • Contra Costa
  • Fresno
  • Kern
  • Los Angeles
  • Orange
  • Riverside
  • Sacramento
  • San Bernardino
  • San Diego
  • San Francisco
  • San Joaquin
  • San Mateo
  • Santa Clara
  • Sonoma