Page Reviewed / Updated - May. 2019
This guide offers detailed information on the costs of senior living services in Modesto. It includes resources and programs that offer financial assistance along with information on low-cost housing options. For more information about statewide programs, read our California state guide.
The Genworth 2018 Cost of Care Survey shows senior care costs in Modesto at well below the state average in most categories. Compared to other metropolitan areas, assisted living is particularly affordable, at $700 less than the median. Only nursing home costs exceed the state average, and only by around $500, which is still well below the most expensive California cities.
Assisted living facilities in Modesto charge an average of $3,200 per month, which is well below the state average of $4,500. Modesto is one of the least expensive areas statewide, with major cities like San Francisco and Santa Cruz topping $5,500, on average. Most cities fall between $3,500-5,500, making Modesto an affordable outlier.
Average home health care costs are $4,957 in California, making Modesto an inexpensive option at $4,576 — nearly $400 less. While Merced is slightly less expensive at almost $100 less per month, most cities in the area average at least $200 more. Madera, Los Angeles and Sacramento all average $4,767. Santa Cruz and San Francisco are both upwards of $5,500, which makes Modesto a much more affordable option at approximately $1,000 less.
Modesto is one of the least expensive areas for adult day care services at an average of $1,517 — more than $150 lower than the state average and more affordable than neighboring cities like Stockton at $1,679 or Merced at $1,565. Some of the most expensive areas like Santa Maria and Santa Cruz are more costly per month by $541 and $292, respectively, than adult day care costs in Modesto.
While Modesto is one of the most affordable areas in California for most senior care services, nursing home costs are $8,882 per month, about $500 above the California average.
In Los Angeles, nursing home care costs are $1,278 less per month than in Modesto, but Madera, a neighboring city, is even more affordable: $1,521 less per month. Santa Maria is nearly $2,000 more expensive than Modesto, but many cities in the region cost between $8,000-8,500 per month for nursing home care.
In California, Medicaid is called Medi-Cal and includes both a full range of health services and some personal care and nursing home options. This program is designed for low-income seniors to help mitigate the rising costs of health care.
To qualify for Medicaid, seniors must meet specific income and asset guidelines. A single individual cannot have an income that exceeds $1,235. A married couple can earn as much as $1,664 per month. In addition to the income restrictions, individuals must also have $2,000 or less in countable assets, while married couples must have $3,000 or less. Some examples of exempt possessions include:
These items are not included in the asset calculation.
Under Medi-Cal, the In-Home Supportive Services (IHSS) program may offer additional services for seniors. This program offers a variety of personal care options designed to allow seniors to age in place. Included are assistance with tasks like:
Participants in IHSS may select a provider, allowing them to hire a family member, friend or even a spouse to fill this role. Typically, service providers are paid at a rate set by Medi-Cal which usually falls between $10.75-13.25 per hour. Total services cannot exceed $3,500 per month, though in practice benefits average $2,200 per month. Only services approved by a social worker are paid through IHSS. To qualify, seniors must have a determination regarding their Medi-Cal eligibility. They don’t need to qualify for full Medi-Cal, but those that do not may have a share of the cost of services provided. To apply, contact the Stanislaus Community Services Agency through their website or call 209-558-2637.
Assisted Living Waiver Program
The Assisted Living Waiver Program allows seniors who would prefer to delay nursing home admission the option to choose an assisted living facility instead. When a senior's care needs rise to the level of a nursing home but it is equally affordable to deliver those services in an assisted living facility, the ALWP may help with the cost. While this program is available to all California residents, there are no approved facilities in Stanislaus County, so seniors would need to move to Alameda, Contra Costa, Fresno, Kern, Los Angeles, Orange, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Joaquin, San Mateo, Santa Clara, or Sonoma, where services are provided. This program does not cover room and board, which typically costs between $1,039-1,059.
To qualify, seniors must have a functional need for nursing home level assistance and meet full Medi-Cal financial eligibility requirements. Those who pay a share of the cost for services don’t qualify. For more information about eligibility requirements, click here.
Multipurpose Senior Services Program
The Multipurpose Senior Services Program assists seniors who are nursing home eligible but would prefer to live at home. Under this program, seniors can receive assistance with:
While this program is not available in all areas, Modesto residents are eligible though there may be a waiting list. The MSSP is not an entitlement program and is designed to offer services to 12,000 seniors throughout the state.
To qualify, seniors must demonstrate the functional need for these services and meet the income and asset guidelines for Medi-Cal participation. Share of cost participants can usually retain $600 per month in income for an individual and $934 for a married couple.
Home and Community-Based Alternatives Waiver
This broad program is designed to allow seniors to receive a variety of care services — including medical care — while living at home. The goal of the Home and Community-Based Alternatives Waiver is to help current nursing home or hospital residents with a transition back to their homes provided it is safe and sustainable as an option. Some of the services include:
This waiver program is not an entitlement program and there may be waiting lists. Enrollment caps currently fall between 5,500-8,974.
To qualify, seniors must need a nursing home level of care, and those already in a residential facility receive priority placement on the waiting list. Seniors must also meet the Medi-Cal income and asset limits for enrollment. For more information about this program, click here.
Community-Based Adult Services
Seniors with severe cognitive impairment may qualify for the Community-Based Adult Services program. Under this program, seniors receive services at an approved facility each day. There are 250 licensed adult care centers available to choose from throughout the state. Some services may include skilled nursing care, meal assistance, social activities, therapy, and other services you might expect from an adult day care provider.Eligible participants must meet the income and asset guidelines for Medi-Cal and have a diagnosed and severe cognitive impairment. Those in the early stages of dementia or Alzheimer's may not immediately qualify for CBAS services. A senior must need help with at least two ADLs. For more information about CBAS, click here.
California Paid Family Leave Act
Caregivers in Modesto have some financial assistance available when they need to take unpaid time off from work to care for a family member. Under the California Paid Family Leave act, resident caregivers may take up to six weeks of paid time off per year, with a maximum benefit of $1,252 per month or up to 70% of paid wages, whichever is less. To obtain this benefit, the caregiver must work for an employer that participates in State Disability Insurance. The family member that needs care must be seriously ill or injured and must be an immediate family member. Recipients may be asked to provide medical documentation for the injury or illness. It is important to note that employers are not required to hold the position open if an employee needs substantial time off under the California Paid Family Leave Act. For more information, click here.
|Downey Terrace||(209) 557-2000||This 11-unit senior community offers low-cost housing for seniors aged 62 and over. Rent is typically $520 per month and Section 8 is accepted.|
|Tower Park||(925) 924-7100||This 49-unit senior housing complex offers affordable housing to those who meet the income limits. Rent is typically between $265-586 with a maximum occupancy of two people per unit. There may be a waiting list for available units.|
|Relief for Energy Assistance through Community Help (REACH)||(800) 933-9677||The REACH program offers one-time assistance in paying past due energy bills. The total grant amount is not to exceed $300 and most applicants can only apply once every 18 months. This program is designed to assist with temporary emergencies that may impact a senior's ability to pay energy bills.|
|Low-Income Home Energy Assistance Program||(209) 338-0004||Low-income residents in Modesto may qualify for an annual payment made to utility providers. Payment amounts vary, and seniors must earn no more than 130% of the Federal Poverty Level to qualify. Water and trash bill discounts may also be available.|