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The average cost of assisted living in the county is $5,500 a month. This guide is a starting point covering the cost of assisted living care in the county, as well as financing options to pay for it. You'll find in-depth information on 45 assisted living facilities in San Mateo County and 30 in surrounding areas.
The Cost of Senior Care in San Mateo County, CA
Palm Villas of Redwood City prides itself on delivering the first-class clinical care that seniors with Alzheimer’s or other memory impairments need to continue living a full, engaged life.
Sunrise of San Mateo offers a homelike environment for assisted living and Alzheimer's care. Located just minutes from downtown, it's close to restaurants, shopping and churches.
Sunrise of Burlingame is a brand-new community that offers a homelike setting and individualized services for seniors who require assistance to remain independent and active.
Nestled into the vibrant Hayes Valley neighborhood, AgeSong at Laguna Grove offers a variety of services and amenities for individuals seeking assisted living or memory care.
The Trousdale experience is a reflection of the Peninsula lifestyle. We designed our assisted living and memory care community for those seeking an extraordinary and engaging life focused on wellness, personal growth, innovation and connectivity. We offer a variety of…
Family Affair Care Home located in South San Francisco, provides seniors with a selection of amenities to encourage an enjoyable senior living experience.
Heirloom Gardens of Burlingame, 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.
Sutro Heights Residential Care Home located in San Francisco, provides seniors with a selection of amenities to encourage an enjoyable senior living experience.
Delia's Retirement Home is an inviting home offering a selection of amenities and supportive services for South San Francisco seniors to consider.
We are operating a 6-bed facility for ambulatory and non-ambulatory clients. We only accept private clients. We have 2 private rooms and 2 semi-private rooms for each home. We always have 2 well-trained caregivers 7 days a week with 24…
Welcome to Holland House. Our staff all go through training regarding dementia, hospice and other areas of need that our residents may encounter. Our staff love the people that they work with and offer stimulating activities for mind and body.…
Pacific Care Home 2, 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.
Elizabeth Care Home located in South San Francisco, provides seniors with a selection of amenities to encourage an enjoyable senior living experience.
At Golden Age Care, we’ll do the work for you so you may enjoy a lifestyle free of tedious chores. The main focus of the staff is to provide a relaxed retirement for our residents. Among the many services and…
Welcome to Precious Care Home. Our staff all go through training regarding dementia, hospice and other areas of need that our residents may encounter. Our staff love the people that they work with and offer stimulating activities for mind and…
An inviting assisted living and memory care community only 20 minutes from San Francisco, Atria Hillsdale offers convenient access to a variety of local amenities and services.
AlmaVia of San Francisco offers services and accommodations for assisted living and Alzheimer's or memory care that address spiritual and physical needs.
Housed in a historic landmark building designed in the 1920s, Vintage Golden Gate is an elegant and welcoming senior living community offering Northern California seniors superb retirement accommodations, as well as top-notch assisted living and memory care. Our community is…
A superb care home, St. Francis Manor 1 provides each resident with the activities and amenities they desire in a home-like environment, while also providing families with peace of mind.
A superb care home, Farol's Residential Care Home 4 provides each resident with the activities and amenities they desire in a home-like environment, while also providing families with peace of mind.
At AlmaVia, initially, there was a confusion about the appointment that was made, but they were very good about finding a replacement person to give us a tour, and he was excellent. He was one of the nursing people on staff, so he answered a lot of our questions. Activities seemed fine to me and included art classes, m...Read more AlmaVia of San Francisco reviews
Our tour at AlmaVia of San Francisco was good, but we wanted to put my mom in a place that is more agreeable with her personality. She likes being active and engaged with people; however, it didn't look like there was a lot of communication with the other clientele. They had a lot of art and craft activities, televisio...Read more AlmaVia of San Francisco reviews
The staff at Sunrise Belmont is outstanding. They are both professional and caring about every resident. The community is beautiful and the residents engaged. The rooms are much larger than many other communities in the area at a similar price point. The marketing team is outstanding in both their knowledge and advocac...Read more Sunrise of Belmont reviews
The facility of Sunrise of Belmont is a 5+ rating. It's like a hotel and is absolutely beautiful. The staff seems real good, and the residents seem to be more able-bodied. When I become older, that's the place I'd like to go. The dining area is beautiful, like a hotel restaurant. The sales people we talked to were very...Read more Sunrise of Belmont reviews
Sunrise of Belmont gets 5 stars. It was a very nice place and comparable to the other facility I saw. The food looked good. The only thing that gets a 3 rating is the pricing because they’re $2,000 more than anywhere else. It's a nice place but pricey. If I had to put my mother in there, I would.Read more Sunrise of Belmont reviews
According to Genworth’s 2018 Cost of Care study, monthly assisted living prices in San Mateo County are higher than both the national average of $4,000 and the state average of $4,500. Prices are about the same in nearby areas such as San Jose ($5,500), Santa Rosa ($5,500), Santa Cruz ($5,595) and Napa ($5,425). In Vallejo, also nearby, prices are lower ($4,350), while to the east of San Mateo County, assisted living costs are significantly lower in Stockton ($3,500) and Modesto ($3,200).
Note: Senior care cost data wasn’t available for San Mateo County, so data for the closest city, San Francisco, was used.
The Cost of Assisted Living in Surrounding Areas
The wide range of prices for senior care in San Mateo County is due to the differences in the type of care. The exceptionally high cost of living in the area also influences senior care costs.
As with all other areas, nursing home care is the most expensive senior care option because it involves 24/7 skilled nursing in a specialized, licensed facility. Assisted living costs are similar to both a home health aide and a homemaker, although in-home services do not include room-and-board expenses while residential care services do.
Senior Care Cost Comparison Chart
Established in 1965 by the federal government to ensure low-income Americans had access to basic health care nationwide, Medicaid provides emergency, acute and long-term health care for more than 75 million children, adults and seniors. Medicaid currently covers about one in four California residents using matching funds provided by the state and federal government.
Known as Medi-Cal, California Medicaid is free for seniors 65 and older who earn less than $1,242 per month and own less than $2,000 worth of countable assets. Couples applying together can earn no more than $1,682 per month and own no more than $3,000 in countable assets.
Under Medicaid rules, countable assets include all cash, stocks, bonds and real estate except for the applicants’ principal residence. Applicants are also exempt from counting one vehicle, a non-revocable burial trust and personal belongings such as clothing and household furnishings.
Medi-Cal applicants are subject to a 30-month look-back period during which time any assets that were gifted, transferred or sold will be audited to ensure applicants do not dispose of assets that could be used to fund their care. If a disqualifying property transfer is discovered, the senior may be penalized with a period of Medi-Cal ineligibility based on both the value of the transferred asset and the current monthly cost for private nursing home care.
Applicants who have incomes that exceed Medi-Cal limits may qualify for coverage through a Share of Cost agreement. Under SoC, seniors must spend a designated amount of their monthly income toward their medical expenses before Medi-Cal coverage kicks in. Note that in many cases, the SoC amount is higher than what private health insurance would cost, and SoC enrollees are excluded from Medicaid waiver programs. SoC cannot be used to spend down excess assets.
Assisted Living Waiver
The Medi-Cal Assisted Living waiver is a Medicaid home and community-based services waiver designed to reduce nursing home placement rates among Medicaid-eligible seniors. It provides enhanced services in an assisted living environment such as housekeeping and laundry, medication management, transportation and intermittent skilled nursing care. Ongoing case management is also included.
To qualify for the ALW, seniors must:
Note that seniors who are currently living in a nursing home who meet the ALW criteria are also eligible, and nursing home transition support is included.
Optional State Supplementation
Low-income seniors who receive Social Security Income and need to live in an assisted living facility due to age-related deterioration may qualify for additional monthly cash benefits through the Optional State Supplementation program.
This state-sponsored program provides eligible seniors with a maximum monthly SSI payment of $1,194.37 when applying as an individual, and up to $2,388.74 when applying with a spouse. This money is for the room-and-board portion of assisted living costs.
For more information about the California OSS program, contact the County of San Mateo Human Services at (650) 301-8440.
VA Aid and Attendance Benefits and Housebound Allowance
VA Aid and Attendance and Housebound are two VA pension top-up programs for veterans and their survivors who qualify for regular VA pension benefits and are either housebound or severely limited as a result of a disability.
To qualify for Housebound benefits, applicants must have a permanent disability that leaves them largely restricted to their primary place of residence, which may be an assisted living facility. Note that the disability does not need to be service-related.
If approved for Housebound benefits, applicants may receive combined annual pension payments of up to:
To qualify for Aid and Attendance, applicants must either live in a nursing home, be legally blind, be bedridden due to a chronic illness or need help from another person to perform one or more activities of daily living such as bathing, eating, dressing or managing a prosthetic device.
If approved for Aid and Attendance, applicants may receive combined annual pension payments of up to:
Note that Aid and Attendance Allowance and Housebound Benefits cannot be combined with a VA disability pension; however, current recipients of VA disability compensation can apply for these two programs. If approved, applicants can opt to accept the benefits program that provides the most money.
Applicants should also note that the Aid and Attendance allowance and Housebound Benefits cannot be collected concurrently.
For more information and application assistance, contact the San Mateo County Veterans Service Office at (650) 802-6598.
Seniors in San Mateo County are welcome to join any of the county’s senior centers, which offer free and low-cost recreational and social programming for adults 50 and older. Seniors can join in weekly bingo games, participate in horseshoe and bocce leagues, take a computer class or go on an escorted trip to local restaurants and attractions.
San Mateo Senior Center
2645 Alameda de las Pulgas, San Mateo, CA 94403
City of San Bruno 50+ Senior Center
1555 Crystal Springs Road, San Bruno, CA 94066
Seniors in San Mateo can contact San Mateo County Health for referrals to local free and low-cost support services such as Older Americans Act-funded communal meal sites, assistance with Medi-Cal applications, and access to preventative health programs. County Health also operates a 24-hour emergency and advice line for seniors in San Mateo.
San Mateo County Aging and Adult Services
225 37th Avenue, San Mateo, CA 94403
Veterans and survivors can contact the San Mateo County Veterans Service Office for assistance with Aid and Attendance and Housebound applications, information on VA benefits and help with obtaining service records. VA health care services are available at the San Bruno VA Outpatient Clinic, an affiliate of the San Francisco VA Health Care System.
San Mateo County Veterans Service Office
550 Quarry Road, San Carlos, CA 94070
San Bruno VA Clinic
1001 Sneath Lane, Suite 300, San Bruno, CA 94066-2349
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