Page Reviewed / Updated - Apr. 2019
This guide provides information for seniors and their families about the costs associated with senior care in Carmichael, California, including assisted living, adult day care, home care and nursing home services. Also found in this guide is information about financial assistance programs available to seniors who need help paying for care, along with other resources. For broader information about the cost of senior care and financial options throughout the state, please refer to our guide to paying for senior care in California.
The average monthly costs of senior care in Carmichael are similar to those across the state according to the Genworth 2018 Cost of Care study. The most significant difference between Carmichael and the statewide costs is nursing home care, with monthly costs in Carmichael of $8,517, approximately $200 more than the statewide average and approximately $200 more than the national average of $7,331 per month. Although adult day care costs in the region average about $25 more than the state median and around $200 more than the national average of $1,560 per month, home care averages about $200 less than the California average.
Note: Senior care cost data wasn’t available for Carmichael, so the data for the closest city, Sacramento, was used.
Assisted living costs in Carmichael are fairly similar to most other locations throughout California with the exception of Santa Cruz and Santa Rosa. In Carmichael, assisted living expenses are $4,473 per month, approximately $25 less expensive than the California and San Diego averages of $4,500 monthly.
Of the cities surveyed, only two cities have higher assisted living costs than Carmichael. In Santa Rosa and Santa Cruz, assisted living costs average around $1,000 and $1,100 more per month, respectively. More affordable assisted living services are found in Stockton and Riverside, where assisted living costs are approximately $1,000 less per month, and Bakersfield, where expenses cost around $1,200 less per month than in Carmichael.
Home care costs in Carmichael are on par with or more expensive than most of the cities surveyed. The average monthly cost for home care in Carmichael is $4,767, which is $200 less than the statewide average and on par with San Diego. More costly home healthcare services are reported in Santa Cruz, Santa Rosa and Stockton where home care averages $5,529, $5,625 and $4,957 per month, respectively. Less expensive home care services can be found in Bakersfield and Riverside where the monthly costs are $4,385 and $4,481, respectively. The Genworth survey shows that the costs of home care in Carmichael are close to other regions in the state.
The average monthly cost of adult day care in Carmichael is $1,733, approximately $50 more expensive than the state average of $1,679 per month, and on par with the average monthly costs in San Diego. Seniors can find more affordable adult day care in Bakersfield, Riverside and Stockton where costs are around $100 less per month.
Adult day care is more expensive in Santa Cruz at $1,809 per month, and the most costly care is found in Santa Rosa where costs average $2,362 monthly. Although Carmichael’s adult day care costs are similar to other cities in California, seniors may be able to find more affordable adult day care in other areas of the state.
The monthly cost of nursing home care in Carmichael is among the highest in the state at $8,517, which is approximately $200 more expensive than the California state median and comparable with services in San Diego. Of the surveyed cities, the most expensive nursing home care is in Santa Rosa where monthly costs are $9,258, almost $700 more expensive than in Carmichael. More affordable nursing home services are found in Bakersfield, Santa Cruz and Stockton at $7,513, $8,076 and $8,173, respectively.
Medi-Cal, the Medicaid program in California, provides free or low-cost healthcare for seniors living in Carmichael. Eligibility requirements include being at least 65 years of age and having a monthly income below $1,012 for single seniors, and $1,372 for those who are married. When it comes to assets, single seniors cannot have assets worth more than $2,000 and married seniors must not have assets that exceed $3,000.
Medi-Cal is intended to help seniors with the costs of medical and preventative care, mental health services, prescription medications, hospital visits, optometry and dental care. It’s important to note that Medi-Cal is an entitlement program, which means all qualifying seniors will receive benefits, even if they are living in a nursing home or other specialized care. In some cases where it’s deemed medically necessary, Medi-Cal may even cover the facility costs for qualifying seniors.Seniors wishing to apply for Medi-Cal can do so by filling out an application at local resource centers. They can also apply online on at either Covered California or Benefits CalWin or by calling (866) 262-9881.
Assisted Living Waiver
The Assisted Living Waiver Program (ALWP) is intended to help seniors transition from a nursing facility to Residential Care Facilities (RCFs) or an Adult Residential Care Facilities (ARFs). This program is also designed to assist seniors who may be at risk for nursing home placement, but who wish to remain in their home.
Some of the services covered by this waiver include medication management, health care, transportation, nursing, meal services and assistance with daily living activities, as well as housekeeping and laundry. However, it’s important to note that this waiver does not extend to room and board expenses.
To qualify for this waiver, applicants must be over 21 years old and meet certain income and asset requirements. For single applicants, these requirements include not having a monthly income exceeding $1,242 and not having assets worth more than $2,000. Married applicants have a little more leeway, with requirements that include not having an income in excess of $1,682, and not having assets exceeding $3,000. However, those who are Medi-Cal eligible through Share of Cost exceptions are not eligible to receive this waiver.
Seniors wishing to learn more about the waiver, the requirements involved or to apply can do so by visiting ALW.
Home & Community-Based Alternatives Waiver
The Home & Community-Based Alternatives Waiver (HCBA) assists seniors who are at risk for nursing home placement by providing financial assistance for home care services. Some of the services covered include personal care, caregiver training, case management, nursing, personal emergency response services, respite care and maintenance for medical equipment.
In order to be eligible to receive this waiver, applicants must be in receipt of Medi-Cal, although they can apply for Medi-Cal before or after applying for the HCBA waiver. Applicants must also be in need of long term care and meet certain financial eligibility requirements. This is not an entitlement program, so applicants may be placed on a waitlist.
Seniors in Carmichael who want to learn more about the requirements or to apply for the waiver can do so at Home & Health Care Management.
Community-Based Adult Services Waiver
The Community-Based Adult Services (CBAS) Waiver is designed to assist seniors at risk for nursing home level care to remain in their own homes with home day care services. Some of the services covered by this waiver include assessments, nursing care, mental health services, physical therapy, personal care, meals, nutritional counseling and transportation.
Seniors must be Medi-Cal eligible in order to qualify for this waiver. Other requirements include requiring nursing facility levels of care or having a severe cognitive impairment like Alzheimer’s disease or dementia. Seniors must also meet financial and asset requirements, which include monthly incomes not exceeding $1,242 and assets not exceeding $2,000 for single applicants, and monthly incomes not in excess of $1,682 or assets not exceeding $3,000 for married applicants.
Seniors who do not meet these financial requirements may still qualify for the waiver through Share of Cost and Spend Down programs, which require seniors to use their own income first, with the leftover expenses being covered by the waiver. This is not an entitlement program, so qualifying seniors may be placed on a waitlist.
Seniors wishing to apply for this waiver or find out more about the requirements can do so by calling (800) 510-2020.
Program for All Inclusive Care for the Elderly (PACE) Program
The Program for All Inclusive Care for the Elderly Program (PACE) is designed to help seniors continue to live safely in their own homes. Some of the services offered by the program can include access to physicians, specialists, and acute hospital care and nursing home care. The program also covers medical tests, preventative healthcare, medications, medical equipment, ambulance services, emergency room care, nursing care, physical therapy, nutritional counseling, personal care assistance, meal delivery, transportation, optometry and dental services.
To qualify for this program, applicants must:
Seniors and families interested in this program can obtain more information or apply by visiting the Sutter SeniorCare PACE office in Sacramento or by calling (833) 560-7223.
In-Home Supportive Services
In-Home Supportive Services (IHSS), a Medi-Cal based program, allows seniors who are at risk of nursing home placement remain in their homes. Services provided by this program might include housekeeping, meal preparation, laundry services, personal care assistance, accompaniment to medical appointments and protective supervision.
To qualify for this program, applicants must:
Seniors wishing to apply for this program can do so by calling (916) 874-9471.
Multipurpose Senior Services Program
The Multipurpose Senior Services Program (MSSP) assists seniors who are in need of nursing home placement but wish to remain at home through community services. The services offered vary depending upon the needs of the individual; however, they may include adult day care, housing and personal care assistance, supervision, care management, respite, meal services and transportation, among other services.
To be eligible for this program applicants must:
Seniors wishing to apply for this program can do so by visiting the California Health Collective website or calling (916) 374-7739.
Family Caregiver Support Program
The Family Caregiver Support Program is run through the Area Agencies on Aging (AAAs) to provide community care services for seniors’ caregivers. These services are available for family members or other unpaid caregivers. The services provided are set by the AAA, and some of these services may include providing training, access to services, temporary respite, and supplemental services.
Although there are no financial requirements for this program, the healthcare recipients must be:
Seniors and their families who are interested in this program can find out more about it by contacting the Area Agency on Aging at (800) 510-2020.
|Sacramento Housing and Redevelopment Agency ||(916) 440-1390||This agency provides safe and affordable housing for seniors in need with rents based on the applicant's income. Seniors wishing to apply need to have a landlord reference check as well as a criminal background check. There is a waitlist, although veterans receive priority placement.|
|Housing Choice Voucher Program (HCV) ||(916) 440-1390||This program, formerly known as Section 8, helps low-income applicants with the costs of safe housing. Applicants may choose any housing unit within the county, provided that the landlord agrees to rent the unit under the program. This subsidy is paid directly to the landlord on the applicant’s behalf. Seniors or families only pay the difference between the voucher amount and the actual rent. Although the waitlist for tenant-based vouchers is currently closed, seniors can apply for the project based voucher waitlist.|
|Energy Assistance Program||(888) 742-7683||SMUD offers discount rates on energy bills to low-income residents, including seniors, in Sacramento, CA. Discounts are determined on a sliding scale, depending on income as it relates to the federal poverty level. Applications are on SMUD’s website.|