Page Reviewed / Updated - June 2019
This guide is meant to help seniors in Camarillo, as well as family members, caregivers and other loved ones, better understand the options open to them when they're looking for safe and affordable residential care. Seniors in Camarillo will read here the average costs of care and the various resources available in the area to help them pay the expenses associated with their care.
For more information about seniors' options in the Camarillo area, please read through our comprehensive guide to paying for senior care in California.
According to the 2018 Genworth Cost of Care Survey, the majority of senior living costs in Camarillo tend to be slightly higher than the average cost of similar care in the rest of California. The difference in price is minimal though, ranging from about $30 - $75 more per month. The exception is nursing home care, which is actually lower than the monthly state average by $152.
Note: Senior care cost data wasn’t available for Camarillo, so the data for the closest city, Oxnard, was used.
Assisted living in Camarillo costs an average of $4,575 a month, which is a little higher than the California state average of $4,500 for similar residential care. These costs are close to the middle of surveyed cities in the state, though significant variation exists between the high and low ends of the spectrum.
Los Angeles and San Diego, for example, both average $4,500 a month for assisted living, while Chico is somewhat less expensive at $4,000. The most expensive city surveyed is San Francisco, where assisted living costs an average of $5,500 a month, while the cost of care in Bakersfield is just $3,150.
Home care in Camarillo costs an average of $5,030 a month. This is only slightly higher than the average cost in the state of California, where home care costs $4,957 a month. Los Angeles and San Diego both average $4,767 a month, while Stockton exactly matches the state average at $4,957. San Francisco has the highest reported costs in the state, at $5,625 a month. Bakersfield reports the lowest costs among surveyed cities, at $4,385 a month for home care.
Adult day care in Camarillo costs an average of $1,712 a month. This is somewhat higher than the cost of adult day care in the rest of California, which is $1,679. San Francisco and San Diego both cost an average of $1,733 a month, and Redding is only slightly more expensive, at $1,788 a month for adult day care. Los Angeles reports some of the lowest costs in the state, at $1,565 a month, while the highest costs among surveyed cities are in Chico, where care costs $2,134 a month.
Nursing home care in Camarillo costs an average of $8,213 a month. The rest of the state of California is somewhat more expensive, with the average cost of a semi-private room at $8,365 a month. Bakersfield reports some of the lowest costs for nursing care in the state, at just $7,513 a month, followed closely by Los Angeles, where similar care costs $7,604 a month. San Francisco again tops the state for the cost of care, with an average monthly cost for nursing home care running to $9,148.
Seniors in Camarillo who need help paying some or all of the cost of residential care may be eligible for assistance through the Medicaid low-income health insurance program. In California, this program goes by the name of Medi-Cal, and it is operated as an entitlement that all seniors who meet the intake requirements can join without waiting periods or enrollment caps. The program pays for basic preventive care, as well as some specialist and urgent care, and several prescription medications. Some types of residential care are also covered by the program.
To take part in Medi-Cal, seniors in Camarillo must be citizens or legal residents of the United States and residents of the state of California. Seniors must also meet defined income standards to qualify for coverage. These standards are based on the federal poverty line, with a slight adjustment for California's elevated cost of living. The poverty rate is adjusted every two years, but in 2018 the threshold for Medi-Cal is 138% of the poverty line or $16,395 a year for single seniors applying alone. Married couples are allowed up to $22,108 a year from all sources of income combined. Each additional adult who lives in the household raises the income threshold by an additional $5,741 a year, whether or not they are also applying for benefits.
Seniors who need help with healthcare can apply for Medi-Cal at a county human services office in person or by mail. Applicants can also sign up by phone, or they can browse for both Medicaid and non-Medicaid plans online through the Covered California website.
Assisted Living Waiver Program (ALWP)
Seniors in Camarillo who receive health insurance through Medi-Cal may be able to pay some of the cost of assisted living with the state's Assisted Living Waiver Program (ALWP). The waiver pays the monthly cost for seniors in participating assisted living communities who have opted out of the more expensive nursing home option for which they're medically eligible. Seniors may apply for an ALWP waiver through the benefits specialist at a participating assisted living facility, or through their Medi-Cal case manager.
Multipurpose Senior Services Waiver
The Multipurpose Senior Services Program (MSSP) waiver helps seniors remain at home or in the community where they feel comfortable by paying for several benefits seniors often need to remain independent. MSSP benefits cover a wide range of seniors' needs, including:
Home and Community-Based Alternatives (HCBA) Waiver
Seniors who are moving out of residential care facilities in Camarillo may be able to find help with the costs of discharge through the Home and Community-Based Alternatives (HCBA) waiver. This waiver replaces multiple earlier programs by paying some of the costs seniors incur while transitioning out of residential care and back to a private home. Waiver funds may be used for almost any move-related expenses. Applications are often submitted through discharge planners at the participating facilities.
Community-Based Adult Services (CBAS)
Camarillo seniors can get help living on their own through the Community Based Adult Services (CBAS) waiver program. This program seeks to meet seniors' needs by picking up some of the cost of independent living, especially:
Paid Family Leave
Seniors may be able to get in-home care from immediate family members, who can take up to six weeks off from work with pay. California helps cover the cost of this through the Paid Family Leave Act (PFLA). The PFLA provides funding from a withholding deduction California workers pay while employed. These funds are available for workers whose relatives have an acute medical need for in-home care, such as during the transition from residential care to home, or after a disabling illness or injury.
Workers who wish to access this program can apply through the state Employment Development Department, which also handles applications for unemployment and student aid in the state. The department may choose to conduct a phone interview before authorizing benefits, and documentation of need may be called for from a licensed physician. Workers' benefits are based on their average wages over a three-year look-back period, though the details of how pay levels are set can get complicated. Funds are paid by check every two weeks and may be spent like any other paycheck.
In-Home Support Services (IHSS)
California's In-Home Support Services program helps seniors in Camarillo hire and pay caregivers who can assist them in their own homes. Funds are paid directly to caregivers, who must submit bi-weekly time sheets signed by the senior. Caregivers may be spouses, family members or friends of the senior, and to enroll in the program applicants are required to obtain CPR certification and pass a training session by the program administration. Seniors can apply for support through their Medi-Cal caseworker or through the California Department of Developmental Services via an online application.
|Housing Development and Preservation Program||(805) 564-5461||The Housing Development and Preservation Program operates multiple low-income and seniors' fixed-income housing units in the Ventura County area. The program maintains a current list of affordable rental units, where seniors can directly apply for affordable rental housing. Seniors can apply online or by phone.|
|Housing and Community Development||(805) 654-2679||Ventura County's Housing and Community Development connects Camarillo seniors with the federal Section 8 low-income housing voucher. Demand is high for this program, which helps pay the rent for low-income seniors in Camarillo. Applications to join the program's waiting list can be submitted online or by phone.|
|Community Action of Ventura County||(805) 436-4000||Community Action of Ventura County takes applications from seniors in Camarillo who need help paying the cost of home heating and energy bills. Seniors who meet income requirements can apply for monthly rate reductions and emergency utility assistance through the Low Income Home Energy Assistance Program (LIHEAP) in person at the county office or by phone.|
|Lifeline of Ventura County Camarillo Health Care District||(805) 388-1952||Lifeline of Ventura County helps protect seniors who are at risk of falls or sudden health emergencies by providing Personal Emergency Response System (PERS) hardware in their homes. Seniors can apply for PERS equipment by phone.|