Page Reviewed / Updated - May. 2019
This guide is written as a source of information for seniors, caregivers and seniors' loved ones in the Orangevale area who are looking into senior living in the larger Sacramento area. It is intended to provide details about the levels of care that are open to them, as well as to help locate the financial resources that can help seniors live as independently as possible in Orangevale.
For more information about senior living in Orangevale, or for the resources available to seniors in the state, please read our comprehensive guide to paying for senior care in California.
Costs for senior living in Orangevale tend to stay close to the average cost of the same care elsewhere in the state of California, according to the 2018 Genworth Cost of Care Survey. For some care types, Orangevale is less expensive than the California average, such as assisted living and home care. Otherwise, adult day care and nursing home care costs in Orangevale will cost seniors a premium.
Note: Senior care cost data wasn’t available for Orangevale, so the data for the closest city, Sacramento, was used.
Orangevale is close to the average cost in California for assisted living, with typical monthly costs of $4,473, while California averages $4,500 statewide. Los Angeles and San Diego match the state at $4,500. Chico is somewhat less expensive than both Orangevale and the state average, at $4,000 a month. Redding only slightly trails Chico, at a monthly cost for assisted living of $3,900.
San Francisco leads the state in assisted living costs, at a monthly average of $5,500. At the low end of assisted living costs, Stockton averages $3,500 a month, while the lowest reported costs among surveyed cities is in Bakersfield, at $3,150.
Home care costs in Orangevale average $4,767 a month. This is a couple of hundred dollars less per month than the California average, which is $4,957. Los Angeles and San Diego both match Orangevale for costs, with monthly averages of $4,767, while Stockton matches California at $4,957. Redding trails these prices only slightly, at $4,862 a month.
San Francisco leads the state for home care expenses, with an average monthly cost of $5,625. Other cities in California are far less expensive than this. Chico, for example, averages $4,433 a month, while the least expensive home care reported in the state can be found in Bakersfield, at $4,385.
Orangevale seniors pay an average of $1,733 a month for adult day care, which may be delivered in the home or at a facility in the community. This price is exactly in line with San Francisco and San Diego, which also report $1,733 for the same level of care. California's average price for adult day care is $1,679 a month, a price that is shared by Stockton, in the central part of the state.
Adult day care in Redding costs an average of $1,788 a month, while costs in Bakersfield average $1,653. Chico is the most expensive city surveyed, with average monthly costs of $2,134. Los Angeles reports the lowest costs for adult day care in California, at $1,565 a month.
Orangevale is in the middle range of costs for nursing home care in California, at $8,517 a month for a semi-private room. Elsewhere in the state, the average cost for nursing care is $8,365. Several California cities report costs in this range, including San Diego, which matches Orangevale exactly at $8,517. The most expensive California city surveyed is San Francisco, where nursing home care costs $9,148 a month.
Medicaid can help seniors in Orangevale pay some or all of the cost of residential care. The program provides health insurance through several in-state private carriers which administer recipients' benefits through either an HMO or PPO backed by state funds. Details of coverage vary between plans, but all Medicaid-backed health plans in California offer regular preventive and emergency care, as well as specialist care and coverage for some medications.
California's Medicaid program, which is known in the state as Medi-Cal, also pays some of the cost of long-term residential senior care, especially for medically necessary treatment in a nursing home, memory care facility and hospice facilities.
Seniors in Orangevale can apply for Medi-Cal benefits in person, at the Sacramento County Health and Human Services offices on Arden or North Watt Ave., or they can apply through the Covered California website, which also lists several non-Medicaid health plans for low-income seniors. Income and other eligibility criteria apply to all applicants, though Medicaid is an entitlement program that accepts all qualified applicants, with no waiting lists or enrollment caps.
To be eligible for Medi-Cal, seniors in Orangevale must be citizens or legal residents of the United States and residents of California. Proof of citizenship and residency may be required prior to approval. Seniors who live alone and apply for themselves must earn less than 138% of the federal poverty line, which in 2018 puts the limit for income from all sources at $16,395 a year. Married couples are allowed to earn up to $22,108. For each additional adult living in the applicant's household, the income limit goes up by $5,741 a year whether the other adult applies for Medi-Cal or not.
Seniors can often fast-track their Medi-Cal application by submitting their paperwork through a benefits specialist at a residential care facility, such as a skilled nursing residence, or by asking for application assistance from a certified senior adviser. Many of California's low-income aid programs have the same enrollment requirements as Medi-Cal, and prior approval by any of these can automatically authorize approval by Medi-Cal. Some of the compatible programs Medi-Cal considers as proof of eligibility include:
Assisted Living Waiver Program (ALWP)
California's Assisted Living Waiver Program (ALWP) pays the cost of admission for seniors in Orangevale who have medical clearance for care in a nursing home, but who opt for a less expensive level of care in an assisted living facility instead. Seniors can apply for the ALWP through a Medi-Cal worker or through the benefits coordinator at a participating facility. Only 15 counties in California participate in the ALWP waiver, including Sacramento County, which includes Orangevale.
Multipurpose Senior Services Waiver
The Multipurpose Senior Services Program (MSSP) waiver pays many of the costs seniors in Orangevale have to pay when they choose to remain in their own homes, rather than accept placement in a residential care facility. Applications can go through a Medi-Cal case worker, or seniors can apply through the benefits specialist at their care facility prior to discharge. Benefits covered by the MSSP waiver include:
Home and Community-Based Alternatives (HCBA) Waiver
The Home and Community-Based Alternatives (HCBA) waiver replaces several older waiver programs and covers many of the costs seniors face when transitioning out of residential care and back to the home environment. This waiver applies to seniors leaving nursing care, post-acute rehab and assisted living. Applications can go through the staff at a participating residential care facility or through a Medi-Cal case worker.
Community-Based Adult Services (CBAS)
The Community Based Adult Services (CBAS) waiver program picks up several miscellaneous costs seniors in Orangevale may need help to pay for, and which help seniors live as independently as possible at home. Covered services include:
In-Home Support Services
Seniors in Orangevale who have Medi-Cal and a doctor's recommendation for residential care may be able to remain at home with caregiver assistance through Medi-Cal's In-Home Support Services (IHSS) program. This program pays caregivers for their services delivered in the senior's own home or the home of a relative or other loved one. Seniors approved for the IHSS benefit are allocated a specific number of hours each month, for which they can authorize payments to their caregivers, who may be friends, spouses or family members who have passed the brief IHSS caregiver training.
Paid Family Leave
California's Paid Family Leave Act allows some workers in the state to take up to six weeks off from work to care for immediate family members, including seniors with a sudden medical need or who have transitioned out of care and back home. Applicants must have been employed long enough to have built up a benefit surplus, and bi-weekly pay is calculated using a three-year look-back period. Funds may be spent without restriction, exactly like a paycheck.Applications for Family Leave benefits are processed by the California Employment Development Department and may include a phone interview, proof of medical need and evidence of the applicant's relationship to the senior.
|Housing Choice Voucher Program||(916) 440-1390||The Housing Choice Voucher Program helps Orangevale seniors and some low-income residents pay the relatively high cost of rent in the Sacramento area. Applicants must sign up for a waitlist, and will be contacted as vacancies arise.|
|RAD||(916) 449-6302||The Rental Assistance Demonstration & Asset Repositioning Strategy (RAD) manages over 2,700 rental units in and around Orangevale for seniors and some low-income residents. Applications are handled as funds are available through the Housing and Urban Development website.|
|Low-Income Home Energy Assistance Program (LIHEAP)||(916) 784-3382||LIHEAP helps seniors in Orangevale who need assistance paying down their home utility bills. Both PG&E and SMUD participate in LIHEAP, and both can mail application packets. Seniors in Orangevale can also apply through any Sacramento-area Salvation Army.|