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The average cost of assisted living in the city is $4,473 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 5 assisted living facilities in Placerville and 30 in surrounding areas.
The Cost of Senior Care in Placerville, CA
Nestled amidst the scenic ridges above the historic town of Placerville, Eskaton Village Placerville's 65-acre campus is thoughtfully designed for the active senior.
Sunshine Manor, one of the region’s top care homes, offers excellent assistance for seniors who need it while also giving each resident the lifestyle he or she desires.
Welcome to The Pines at Placerville Healthcare. The Pines at Placerville Healthcare Center is proud to be a four-star, Medicare-certified, short-term rehabilitation and skilled nursing home located in Placerville, California.
This beautiful community is nestled into the hillside of a 63 acre campus in Placerville. The Lodge at the center of the campus houses the assisted living and memory care options and is surrounded by dozens of new rental cottages. The assisted living apartment options are limited with only one bedroom apartments avail...Read more Eskaton Village Placerville reviews
Eskaton Village Placerville was a very nice facility. We really liked it. They were very knowledgeable. My father had dementia and the facility was very knowledgeable about different treatments and different care procedures. We really enjoyed the tour. We checked out the menu and it was very good.Read more Eskaton Village Placerville reviews
I loved Eskaton Village Placerville. They have an indoor pool, which was one of the things that would be really nice. The only thing that they had to show us was a small studio. It was a little cottage, which was really cute, but for two people it was just way too small.Read more Eskaton Village Placerville reviews
The monthly cost of assisted living in Placerville is comparable to the state median ($4,500), but about $500 higher than the average rate paid nationwide ($4,000). Costs in some cities in this area of California are notably lower, including Modesto ($3,200), Merced and Stockton ($3,500), and Yuba City ($3,679). With an average monthly price of $5,425, assisted living costs substantially more in the wine region city of Napa.
Note: Data for senior care costs wasn’t available for Placerville, so data for the Sacramento area was used instead.
The Cost of Assisted Living in Surrounding Areas
To accurately compare the cost of senior care in Placerville, it’s important to consider the underlying factors that affect the rates. These typically include the type of care needed, setting and whether accommodations and meals are included. Nursing home ($8,517) and assisted living ($4,473) facility rates include room and board, but nursing homes average over $4,000 more per month because they provide around-the-clock skilled nursing care.
Homemaker ($4,767) and home health aide ($4,957) services appear to average just a few hundred dollars more per month than assisted living, but this isn’t an accurate comparison. The difference is likely much greater because in-home care only covers the direct service hours provided. Seniors must also pay for food and household operating expenses, which can increase their monthly costs significantly.
Senior Care Cost Comparison Chart
Over 65 million low-income Americans receive free or low-cost health care coverage through Medicaid, a national, government-funded program that’s regulated federally and administered by each state. The California Medicaid program known as Medi-Cal provides coverage for one-quarter of the state’s population, including over 1.5 million elderly and disabled individuals. Those who qualify receive a wide range of essential services, including:
Qualifying for Medi-Cal Coverage
Placerville seniors aged 65 and older are eligible for coverage if they’re American citizens or legal residents and have:
Medi-Cal counts all sources of income but disregards some resources, including personal effects, one automobile, irrevocable burial trusts, a primary home and household goods.
The program provides coverage for long-term care in nursing homes for those who meet the above resource limits without any restriction on income. Seniors eligible for or receiving Supplemental Security Income benefits are enrolled in full-scope Medi-Cal automatically.
Qualifying With a Share of Cost
Those who exceed the income limits but have high medical bills may qualify for coverage with a share of cost. The share required is determined by an individual’s excess income. Once this amount is put toward medical expenses, coverage can begin.
Deductions for Spousal Allowances
Married seniors applying without their spouse may qualify even if they’re over the financial limits once spousal living and resource allowances are deducted. According to federal and state laws to prevent spousal impoverishment, the non-applicant may receive up to $3,160.50 of their spouse’s monthly income and retain up to $126,420 in joint assets. These rules only apply to seniors seeking Medi-Cal for long-term care in a nursing home or through a home and community-based waiver.
Assisted Living Waiver
Medi-Cal introduced the assisted living waiver program to give seniors the option of residing in community-based assisted living facilities and reduce the number of nursing home admissions. The program is only available in 15 counties statewide, including adjacent Sacramento County. Placerville residents can apply for the ALW if they’re willing to relocate, are aged 21 or older and:
Participants in the program must pay their own assisted living room-and-board fees, but the waiver covers a number of facility-provided services, including:
State Supplemental Payment
Placerville seniors aged 65 or older and blind or disabled adults who are approved for federal SSI benefits may also qualify for a monthly California State Supplemental payment.
To qualify for SSP benefits, single applicants must have a monthly income of $771 or less ($1,157 for couples) and have $2,000 or less in countable assets ($3,000 for couples). The maximum state benefit combined with the highest SSI payment for approved individuals is $931.72. For couples, the amount is $1,564.14, respectively.
The state of California allows the Social Security Administration to handle applications and approval decisions for SSP benefits, so seniors should contact the agency at (800) 772-1213 to apply.
Long-Term Care Insurance
Long-term care insurance is one option seniors may consider when they’re making plans for covering the costs of assisted living care in the future. LTC policies provide daily or monthly payments to cover specific types of care for a set term or indefinitely. The cost of coverage varies between insurers and depends on an applicant’s age, health history and chosen benefits.
To learn more about long-term care insurance or for help understanding the details of a policy or filing a claim, Placerville seniors can contact Elderlife Financial Services at (888) 228-4500.
The Older Adult Services department of El Dorado County is the designated Area Agency on Aging serving the Placerville area. The department coordinates and implements aging-related programs and services to ensure the health, well-being and quality of life of local residents aged 60 and over. The many resources Placerville seniors can access through the OAS include health insurance counseling, long-term care advocacy, legal assistance, shuttle and transit programs, adult protective services, peer counseling and in-home support.
El Dorado County Area Agency on Aging
937 Spring St., Placerville, CA 95667
The senior center in Placerville is the social hub for city residents aged 60 and older. The center offers a wide array of life-enhancing programs and services, such as hot, nutritious lunches on weekdays; fitness classes, including dance, yoga and Zumba; and creative classes, such as quilting and pottery making.
Local seniors can visit the library or computer center, join an overnight outing to see a local attraction or take an extended escorted trip to an exciting destination. The center provides free transportation for area residents.
Placerville Senior Center
937 Spring St., Placerville, CA 95667
Senior veterans and their families who need help determining what compensation is available should contact the El Dorado County Veterans Services department. The department’s trained staff can provide information, counseling and assistance with filing applications for county, state and VA benefits.
El Dorado County Veterans Services office
130 Placerville Dr., Placerville, CA 95667
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