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The average cost of assisted living in the city is $4,500 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 14 assisted living facilities in Oceanside and 30 in surrounding areas.
The Cost of Senior Care in Oceanside, CA
Pacifica Senior Living Oceanside is a brand new community featuring assisted living and memory care with five star resort lifestyle, only minutes from the beautiful Southern California beaches.
This brand new Community, opening the Spring of 2019, Ocean Hills is dedicated to senior living with luxurious services and amenities. Choosing to move or place your loved one into this community will be the most meaningful decision you can…
Fairwinds - Ivey Ranch offers seniors the chance to enjoy a fun and active retirement experience in the comfort of luxurious accommodations near the sandy shores of Oceanside.
Set in the heart of beautiful Southern California, Merrill Gardens at Oceanside offers a range of senior living options from independent living to Alzheimer’s care.
The mild year-round climate and salty ocean breezes of the city of Oceanside make Aegis at Shadowridge an ideal place for assisted living and memory care.
Merrill Gardens at Oceanside is a good facility but has room for improvement in many areas. What I did like about this facility was that it had a barber shop and beauty salon as well as a library area well stocked with books. What I did not like about this facility was that it feels a bit dreary on the inside and doesn...Read more Merrill Gardens at Oceanside reviews
Prices up again...every year. We are now paying $1,000 more than 2 years ago. Almost $4,000. Promises of updated facilities have not been completed. They do not do a good job of cleaning the apartments, even when you pay for extra services; they always tell me I came on the day before the cleaning day. On a positiv...Read more Merrill Gardens at Oceanside reviews
Brookdale Oceanside is very scenic on the exterior. At the entrance are nice tall palm trees and there are plenty of other nice trees on property. Brookdale Oceanside is a rather nice facility though it can seem a bit old-fashioned in the way it’s styled. The décor can be a bit archaic in some parts of the facility, bu...Read more Brookdale Oceanside reviews
Brookdale Oceanside was nice, but I noticed that the floor was not clean in the lobby. In the studio that they showed me, the toilet seat needed to be replaced. Other than that, everything was fine. The good thing was that they included WiFi throughout the building that would be free. I did see some activities like exe...Read more Brookdale Oceanside reviews
I did not feel good about Brookdale Oceanside for my parents. The first impression wasn't great for me. It's dark and it felt like I was in a skilled nursing home versus assisted living. It felt like some type of hospital, not homey and not the pride of ownership type of place that my parents would like. The day I was ...Read more Brookdale Oceanside reviews
According to the Genworth 2018 Cost of Care survey, seniors living in Oceanside pay an average of $4,500 per month for assisted living. This price is on par with California’s state median and $500 higher than the national average. The cost in Los Angeles is similar to what seniors in Oceanside pay for assisted living, while Santa Cruz ($5,595) assisted living costs are higher than anywhere else in the state. Those looking to pay a lower rate can consider facilities in Modesto ($3,200) or Bakersfield ($3,150), where costs are the lowest in the state.
Note: Senior care cost data wasn’t available for Oceanside, so data for the closest city, San Diego, was used.
The Cost of Assisted Living in Surrounding Areas
The cost of senior living differs drastically depending on the type of service required. Adult day health services, which doesn’t provide round-the-clock care, cost nearly $3,000 less than assisted living and home care services. While nursing home care, which does provides 24-hour skilled nursing, costs approximately $4,000 to $4,200 more than assisted living and home health services.
Although home care services appear substantially less expensive than nursing home care, it’s important to keep in mind that there are many additional costs that those living at home are required to pay, including rent, utilities, general home upkeep and groceries. While none of these expenses are included in the cost of home care, they’re typically included in the cost of assisted living and nursing home care.
Senior Care Cost Comparison Chart
Medi-Cal is California’s state Medicaid program. It’s a state-run program that’s required to operate within parameters that are set by the federal government. Medi-Cal and its various programs help low-income Californians of all ages access safe medical services and prescription medications. There are many senior citizens throughout California who require the assistance of Medicaid to access primary care, hospital services and diagnostic services, as well as prescription medications and necessary medical devices.
To be eligible for the state Medi-Cal plan as a senior citizen, applicants must be at least 65 years of age and meet the following financial requirements:
All sources of income, including retirement accounts, pensions and social security, are counted toward eligibility. Some assets are exempt, including the applicant’s home, a single vehicle, burial plots and personal belongings.
Applicants who don’t meet the program’s financial requirements may still be eligible for coverage if their medical expenses are unusually high. The Medi-Cal spend-down program allows these individuals to pay down their medical bills with part of their income before counting it toward eligibility requirements. It’s advised that any senior accessing Medicaid through a spend-down program should work with a professional Medicaid planner.
Assisted Living Waiver
Medi-Cal’s Assisted Living waiver pays for assisted living services, as well as transitional costs for seniors who are moving into an assisted living facility after living in a hospital or nursing care facility. While the waiver pays for care services, it doesn’t cover the cost of room and board.
To qualify for coverage under the Assisted Living waiver, seniors must be fully eligible for the state Medi-Cal plan with zero share of cost. While the program covers any adult aged 21 and older who is disabled and requires a nursing level of care, those applying on the basis of age should be 65 or older.
Seniors living in Oceanside can enroll in this waiver by contacting Huntington Home Care at (626) 623-1003.
State Supplemental Payment
California’s SSP benefit helps aged, blind and disabled residents with little to no income pay for costs of assisted living. It’s a cash benefit that’s combined with the recipient’s Supplemental Security Income, which is provided by the federal government. SSP amounts are determined by the beneficiary’s living situation, but for some it may be as much as $423.37 per month.
To qualify for the SPP, applicants must qualify for the federal SSI benefit. Any applicant who is enrolled in Medi-Cal is automatically qualified for the SSP.
For more details on how to apply, seniors can contact the Social Security Administration at (800) 772-1213.
Long-Term Care Insurance
Seniors who have previously invested in a long-term care insurance policy can file a claim with their insurance provider to have all or some of the cost of assisted living reimbursed. Most insurance providers require policyholders to be in good health at the time of purchase, so it’s not typically possible to purchase a policy once the need for long-term care exists. All policies and providers differ in terms of co-pay and deductible amounts, so it’s important to review the policy in order to determine the covered amount.
Elderlife Financial Services provides insurance counseling to senior citizens. They help seniors to understand their long-term care insurance policies as well as assist with the claims process and appeals. Seniors who require help with long-term care insurance can contact Elderlife at (888) 228-4500.
Oceanside’s senior centers serve adults aged 55 and older. They provide a variety of services, including legal assistance, wellness programs and tax services. Additionally, recreational and social activities, such as bingo, fitness classes and senior dances, are planned on a regular basis at each of the city’s two senior centers.
The Country Club Senior Center
455 Country Club Ln., Oceanside, CA 92054
The El Corazon Senior Center
3302 Senior Center Dr., Oceanside, CA 92054
Veterans and their surviving spouses who live in Oceanside can access benefit services, including application assistance and support services, at the North County Coastal Military and Veterans Affairs Resource Center. Those requiring health care services, including physician care and hearing aid assistance, can visit the Oceanside VA Clinic.
Oceanside VA Clinic
1300 Rancho Del Oro Dr., Oceanside, CA 92056-1729
North County Coastal Military & Veterans Affairs Resource Center
1701 Mission Ave., Ste. 110, Oceanside, CA 92058
The San Diego County Department of Aging and Independence Services acts as the local Area Agency on Aging. AAAs help senior citizens to access benefits and resources. They also provide advocacy services to ensure the safety and quality of life for senior citizens who reside in the areas they serve, facilitating wellness and nutritional counseling programs.
Aging and Independence Services
1600 Pacific Hwy., San Diego, CA 92101
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