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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 16 assisted living facilities in Placentia and 30 in surrounding areas.
The Cost of Senior Care in Placentia, CA
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Assisted living in Placentia costs the same as the state average at $4,500 per month and $500 more than the national average. Prices in neighboring areas range from $3,500 in Riverside up to $4,500 in San Diego and $4,575 in Oxnard.
Statewide, assisted living prices are highest in the Bay area where costs are $5,500 in cities, such as San Francisco, Salinas and Santa Rosa. Prices are lower in cities located inland with Bakersfield having the lowest costs in California at $3,150.
Note: Senior care cost data wasn’t available for Placentia, so costs for the closest city, Los Angeles, were used.
The Cost of Assisted Living in Surrounding Areas
Monthly senior care costs in Placentia range from $1,565 for adult day health services up to $7,604 for semiprivate nursing home care. The wide price range reflects the significant difference in the type of care provided, location and staff to senior ratio.
Assisted living includes private or semiprivate accommodation, meals, and access to shared amenities, such as outdoor spaces, libraries and recreation rooms. In-home care costs an average of $4,767 per month in addition to rent or mortgage payments, utility bills, groceries and home maintenance.
Senior Care Cost Comparison Chart
Approximately 1 in 4 California residents are covered under Medicaid, the government health plan for low-income Americans and qualified immigrants. California is a Medicaid-expansion state, and mandatory Medicaid benefits include primary, emergency and long-term care services, X-rays and lab tests and home health services. Some state-specific benefits, such as dental and vision care, rehabilitation therapies, medical supplies and skilled nursing care, may also be available through waiver programs.
Qualifying for Medi-Cal
California’s Medicaid plan is called Medi-Cal. To enroll, seniors must be aged 65 or older, have few resources and a low monthly income. For access to institutional care and home and community-based services, seniors must also need assistance with two or more activities of daily living.
Single seniors can earn a maximum of $1,242 per month and own up to $2,000 in countable assets. Couples applying for Medi-Cal together can earn a maximum of $1,682 per month in joint income and own up to $3,000 in countable assets.
Medi-Cal doesn’t count some assets, such as one vehicle, an irrevocable burial trust and an owner-occupied house, condominium or mobile home, regardless of the value of the dwelling.
Spousal Asset and Income Rules
Special rules apply when only one spouse in a married couple needs long-term Medi-Cal services in order to protect the non-applicant spouse, called the community spouse, from impoverishment.
The community spouse’s income is disregarded on the Medi-Cal application. If that spouse depends on financial support from the spouse who requires care, the minimum monthly maintenance needs allowance rule lets the applicant transfer up to $3,161 per month to the community spouse without penalty.
The community spouse can also keep half of the couple’s joint assets in addition to all Medi-Cal exempt assets, worth up to $126,420, under the community spouse resource allowance.
Assisted Living Home and Community-Based Medi-Cal Waiver
Seniors who meet the clinical criteria for nursing home placement and are able to live safely in the community with supports may qualify for the Assisted Living waiver. This home and community-based waiver lets seniors remain in a noninstitutional setting, such as an assisted living facility, by funding enhanced medical and nonmedical care services. These services are assigned based on individual medical needs and may include:
In order to participate in the ALW, seniors must live in one of the participating ALW facilities in their area or agree to move into an ALW facility in a nearby county. The ALW program covers the cost of enhanced care services while participants pay for their room and board.
To enroll in Medi-Cal, contact the Orange County Social Services Agency, Anaheim Regional Center, at (800) 281-9799.
To learn more about the ALW and request an assessment, call Access TLC Home Health Care, the care coordinator agency for Orange County, at (818) 551-1900.
Optional State Supplementation
The Optional State Supplementation program gives eligible seniors monthly cash benefits that can be used to help cover assisted living costs.
To qualify for OSS, seniors must collect Supplemental Security Income benefits and need to reside in an assisted living facility due to physical and/or cognitive limitations. OSS is added on to the monthly SSI benefit.
Individuals may receive up to $1,194.37, and couples may receive up to $2,338.74 in combined monthly OSS/SSI benefits.
To learn more about the California OSS program, contact the Social Security Administration at (800) 772-1213.
Elderlife Financial Reverse Mortgage
Elderlife’s reverse mortgage is a home equity loan that eligible seniors aged 62 and older can use to finance assisted living costs.
To qualify, seniors must own their home with a spouse, and one spouse must remain in the home. The loan, plus any accrued interest, is repayable when the home is sold or when the remaining homeowner decides to move out.
The loan amount is based on the current market value of the home, the age of the borrower(s) and any current liens on the property. The application process can take a number of months and includes government-mandated financial counselling.
For more information, call Elderlife Financial at (888) 228-4500.
The nearby Anaheim VA clinic provides primary care, mental health, lab and telehealth services for eligible veterans, and comprehensive hospital care is offered at the VA Long Beach healthcare system.
Veterans and survivors can contact the Orange County Veterans Service Office to learn about entitlements, apply for state and VA benefits and file appeals. Outreach appointments are available for clients unable to travel to the office due to disability or illness.
Anaheim VA Clinic
2569 W. Woodland Dr., Anaheim, CA 92801-2608
Orange County Veterans Service Office
1300 S. Grand Ave., Santa Ana, CA 92705
Seniors aged 60 and older can join classes, activities and special events at the Placentia Senior Center, a city-run multipurpose center. It hosts weekly movie screenings, bingo games and knitting clubs as well as regular escorted day trips.
Free food boxes are distributed at the center each month, and seniors can enjoy a low-cost lunch every weekday.
Placentia Senior Center
143 S. Bradford Ave., Placentia, CA 92870
Seniors qualify for half-price fares on all Orange County Transportation Authority routes. Riders who are unable to use the regular fixed-route service can register for OC ACCESS, the on-demand, shared-ride service for people with physical and/or cognitive limitations.
To apply for OC ACCESS, call (714) 560-5956.
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