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The average cost of assisted living in the city is $5,425 a month. This guide is a starting point covering the cost of assisted living care in the city, as well as financing options to pay for it. You’ll find in-depth information on 25 assisted living facilities in Napa and 30 in surrounding areas.
The Cost of Senior Care in Napa, CA
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Assisted Living Napa Valley II located in Napa, provides seniors with a selection of amenities to encourage an enjoyable senior living experience.
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The cost of assisted living in Napa is just $75 less per month than the nearby cities of San Jose, Santa Rosa and San Francisco, which share the same average monthly rate of $5,500. The cost in all four communities is substantially higher than the California ($4,500) and national averages ($4,000). Heading inland to the state capital of Sacramento, the price for assisted living drops to $4,473, and it falls even lower in the nearby areas of Yuba City ($3,679) and Stockton ($3,500).
The Cost of Assisted Living in Surrounding Areas
Various factors affect monthly rates for senior care in Napa, including the intensity of the care services provided and where they’re received. Adult day health services provided in group centers on weekdays cost the least ($2,167), while 24/7 skilled care in a nursing home is the most expensive option ($9,962). Rates for in-home care services and assisted living in a residential setting fall in between.
To accurately compare the midrange care options of homemaker ($5,911), home health aide ($5,053) and assisted living ($5,425), daily living costs must be considered. Average rates for in-home services only represent the hours of care provided, whereas the price charged by assisted living facilities typically includes room and board. Those staying at home are responsible for food, utilities, upkeep, property taxes and other household expenses, which can increase seniors’ total monthly costs significantly.
Senior Care Cost Comparison Chart
Medicaid is the nation’s largest health insurance program, serving over 65 million people from coast to coast. It’s designed to provide low-income Americans with access to vital health care services. The program is jointly funded and overseen by the federal government and administered by each state.
Qualifying for Medicaid in California
In California, U.S. citizens and legal immigrants aged 65 or older or aged 64 or younger with disabilities are eligible for coverage through the state Medicaid program known as Medi-Cal. They must meet the following financial requirements:
Medi-Cal counts income from all sources, including wages, pensions, disability and Social Security benefits and investment dividends. Not all assets count toward the limits. Exceptions include:
Napa residents who meet the eligibility requirements for Supplemental Security Income automatically receive full-scope Medi-Cal coverage. Those who need long-term care in a nursing home and meet the Medi-Cal functional guidelines qualify for coverage regardless of income.
Exceptions to Medi-Cal Income and Asset Requirements
When only one married spouse needs Medi-Cal long-term care coverage, the federal and state laws in place prevent spousal impoverishment and may lower the applicant’s monthly income and countable asset levels. These laws stipulate that the non-applicant may keep up to $3,160.50 of their spouse’s monthly income and up to $126,420 in joint assets as living and resource allowances.
Medi-Cal offers a share of cost plan for those who exceed the income limits. To qualify through the plan, applicants must spend down their excess monthly income on allowable medical expenses to reach the required threshold.
Medi-Cal Assisted Living Waiver
Assisted living isn’t a covered benefit through Medi-Cal, but the state does offer an Assisted Living waiver to give eligible seniors the option of living in a community setting instead of an institutional nursing home. The waiver doesn’t cover the cost of room and board but does pay for certain support services provided in participating, licensed assisted living facilities such as:
To qualify for the ALW program, applicants must be eligible for full-scope Medi-Cal with no share of cost and aged 21 or older. They must also require a nursing-home level of care but be assessed as able to safely live in a noninstitutional setting.
The ALW isn’t offered in Napa County, but seniors willing to relocate can still apply. Currently, the program is available in nearby Contra Costa, Sacramento, Sonoma and 12 other counties throughout the state. Because the program isn’t an entitlement under Medi-Cal, approved applicants may be placed on a waiting list to receive services.
Napa residents who wish to apply for the ALW can contact a Care Coordination Agency in their preferred participating county.
State Supplemental Payment
Seniors aged 65 or older and disabled adults eligible for SSI benefits may also qualify for the State Supplemental Payment. This monthly cash benefit can be used to help pay for assisted living room and board or other expenses. Napa seniors can qualify for both benefit programs if they’re American citizens or legal residents and meet these financial limits:
The exact benefit level received depends on an applicant’s living situation and monthly income. The maximum monthly combined benefit amounts available to those residing in assisted living facilities are $1,194.37 for singles and $2,388.74 for married couples.
To apply for SSI and SSP benefits, Napa residents can contact the Social Security Administration at (800) 772-1213.
Homeowners in Napa aged 62 or older in need of extra income to pay for assisted living expenses for one spouse may consider the option of a reverse mortgage. In contrast to a traditional mortgage with monthly payments made to a lender, this kind of loan provides an equity-based monthly check to the homeowners. When both borrowers have moved out or the home is sold, the full mortgage balance must be repaid. Eligibility and the amount received each month depends on a couple’s available equity and ages.
To learn more about reverse mortgages, interested Napa seniors can contact Elderlife Financial Services at (888) 228-4500.
Bay Area Legal Aid offers free assistance with civil legal matters to low-income Napa residents aged 60 and older. Based on each senior’s situation and needs, the agency may provide legal advice, counsel, representation or a referral. Help is available for a variety of issues, such as public benefits, elder abuse and exploitation, consumer protection, housing and access to health care.
Bay Area Legal Aid
575 Lincoln Ave., Ste. 210, Napa, CA 94558
The Napa/Solano Area Agency on Aging connects local residents aged 60 and over with county, state and federal resources to improve their quality of life. The agency coordinates access to programs and services, such as personalized advice and referrals to available resources, case management, in-home assistance and caregiver support. The AAA also oversees senior nutrition programs that provide congregate and home-delivered meals, health and wellness services and advocacy services for those in long-term care facilities.
Napa / Solano Area Agency on Aging
275 Beck Ave., Fairfield, CA 94533
The Napa Senior Activity Center is the social hub for area adults aged 50 and older. Seniors can enjoy a daily nutritious lunch, expand their knowledge with lifelong learning classes, get creative with arts and crafts and improve their fitness level with regular exercise classes. The center’s staff also organize wellness clinics, seminars on pertinent topics, movies, special social events and escorted trips and tours.
Napa Senior Activity Center
1500 Jefferson St., Napa, CA 94559
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