Assisted Living in Roseville, CA

Assisted Living Costs in Roseville

According to Genworth’s 2018 Cost of Care study, the average monthly cost of assisted living in Roseville is slightly above the national average of $4,000, but it’s a little less than the state average of $4,500. Roseville is considerably less expensive than some of the state’s larger cities such as San Francisco ($5,500), Los Angeles ($4,500) and San Diego ($4,500), but it’s significantly more expensive than some of California’s smaller cities such as Riverside ($3,500) and Bakersfield ($3,150).

Cost of Assisted Living Comparison Chart

• Roseville: $4,138
• National average: $4,000
• State average: $4,500
• Bakersfield: $3,150
• Los Angeles: $4,500
• Napa: $5,425
• Riverside: $3,500
• San Diego: $4,500
• San Francisco: $5,500

Care Cost Comparison

The type of care needed is the biggest factor influencing the average monthly cost of care, and in cities like Roseville, this is particularly evident. The average monthly cost of nursing home care is nearly double the cost of assisted living, and the cost of home care services is nearly $1,000 higher than assisted living costs. Home care becomes even more expensive when taking into account the other costs that are associated with remaining in the home, such as rent, utilities and general home maintenance, all of which are usually included in the cost of assisted living.

Cost of Homemaker/Home Health Aide Comparison Chart

• Assisted living: $4,138
• Homemaker services: $4,957
• Home health aide: $4,957
• Adult day health: $1,733
• Nursing home care (semiprivate room): $8,150

Financial Assistance for Assisted Living in Roseville

Medicaid in California

California’s Medi-Cal program is the state Medicaid Managed Care program. There are several waivers under this program that provide financial assistance with different levels of long-term care. The Assisted Living Waiver provides assistance to seniors who have begun to require daily nursing support but wish to continue living in an assisted living facility. It provides these seniors with additional supportive services and helps them avoid further institutionalization. Seniors who participate in the Medi-Cal Assisted Living Waiver program must contribute to their room and board costs.

Seniors applying for this program must require a nursing level of care and be able to continue to live safely in their assisted living community. Financial requirements stipulate that applicants may not have an income exceeding $1,242 for individuals or $1,682 for couples and may not possess assets that exceed $2,000 in value for individuals or $3,000 in value for couples.

To apply for Medi-Cal assistance, seniors can contact their nearest care coordination agency in person or by telephone.

Other Financial Assistance Programs for Assisted Living

Multipurpose Senior Services Program

The MSSP is a waiver program that operates as part of Medi-Cal. It helps seniors access a range of services that may help them continue living in their home or assisted living facility instead of moving to a nursing home. Services that are included under this program vary based on the needs of the applicant but may include nurse visits, respite care, adult companion services and transportation services.

This waiver only accepts 12,000 applicants at one time and does have a waiting list. Eligibility requirements are the same as for the Assisted Living Waiver. Seniors can learn more about the enrollment process by contacting the California Department of Health Care Services.

State Supplemental Payment

Seniors who receive Supplemental Security Income can access California’s State Supplemental Payment benefit should they require additional assistance with paying for room and board costs in an assisted living or nursing home facility. The payment is calculated based on the applicant’s income and needs and pays a maximum of $160.72 each month.

Financial requirements change often for this program, which means it’s best for seniors to contact their local Social Security office or call 1-800-772-1213 and speak with an authorized agent to receive up-to-date information.

Elderlife Bridge Loan

Seniors living in assisted living facilities who don’t have access to Medicaid or other government assistance can contact Elderlife Financial Services to apply for an elder bridge loan. These loans are paid directly to the applicant’s assisted living facility upon approval and are to be paid back by the applicant in monthly installments.

Although eligibility depends on income and credit history, seniors may apply with up to six cosigners to increase their chances of approval.

Long-Term Care Insurance

Seniors who have purchased a long-term care insurance policy prior to needing long-term care can use their policy to pay for the cost of assisted living. Typically, an annual deductible will be required before the remainder of the costs are covered. Eligibility depends on age and health, and plan costs vary between plans and providers.

Assisted Living Resources in Roseville

Roseville Senior Citizen Programs

Senior programs offer seniors age 55 and older the chance to partake in a variety of activities that may include congregate meals, day trips, social activities and classes on topics such as fitness, nutrition, computers and finance.

City of Roseville Adult/Senior Recreation Programs
(Various locations)
(916) 772-PLAY

Veterans Affairs

Veterans Affairs (VA) provides seniors who have served in the military and their immediate family members with access to a range of services and support. Those who are eligible can receive covered or subsidized health care in VA medical clinics. To find out more about VA services and programs, seniors can contact the U.S. Department of Veterans Affairs at 1-844-698-2311.

Placer County Veterans Services Office
1000 Sunset Boulevard Rocklin, California 95765
(916) 780-3290

Area Agency on Aging

Area Agencies on Aging are nonprofit organizations that provide seniors with several services including senior advocacy programs, benefits assistance, long-term care ombudsman and community resources.

Area Agency on Aging/Area 4
1401 El Camino Avenue, 4th Floor Sacramento, California 95815
(915) 486-1876