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The average cost of assisted living in the city is $5,500 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 11 assisted living facilities in San Rafael and 30 in surrounding areas.
Settled into the hills of Marin County, Drake Terrace is an independent and assisted living community providing a tasteful and relaxing lifestyle in a beautiful environment.
A superb care home, Comforting Hands Forever, LLC provides each resident with the activities and amenities they desire in a home-like environment, while also providing families with peace of mind.
AlmaVia of San Rafael is only 10 years old, so it has a more modern, clean, and upgraded feel to it. I like it. They have movies, activities, bingo, and libraries. The rooms, physically, in square footage were smaller than where my husband is now, but it's not as expensive. It's nice and clean.Read more AlmaVia of San Rafael reviews
AlmaVia of San Rafael is the only one I have found that has its own assigned parking. I have a car, so that’s one of the big options that I’d like to have. It’s very cozy, very clean, friendly, and smells good. The food is very good as is the dining room. My husband was in it, and his studio was beautiful and had a lot...Read more AlmaVia of San Rafael reviews
AlmaVia of San Rafael looks beautiful. It looks like a luxury hotel. It's very well-managed and the people are very nice. The room we saw also looks like a nice hotel suite. The staff seems very caring and well-trained. They look good to me. When we were there they were having a little party for the residents. They als...Read more AlmaVia of San Rafael reviews
According to Genworth’s 2018 Cost of Care study, San Rafael’s monthly assisted living costs are among the highest in the state at $5,500. In California, only Santa Cruz ($5,595) is more expensive.
Statewide, the average monthly cost for assisted living care is $4,500 per month, while the national average is even lower at $4,000. While California has a high cost of living, there are some relatively affordable cities for assisted living care, including Bakersfield ($3,150) and Fresno ($3,500).
Note: Senior care cost data was not available for San Rafael. Data for the closest major metropolitan area, San Francisco, has been used.
Cost of Assisted Living Comparison Chart
Before choosing a type of care, seniors should carefully consider their budgets. San Rafael senior care costs are influenced by many factors, including the location and type of care required. Those with intensive care needs can expect to pay a monthly average of $9,148 for nursing home care, approximately $3,600 over the cost of assisted living.
In-home services, at $5,625 per month, are slightly more expensive than assisted living. Seniors who opt for these services should remember that this price only includes the care itself, not living expenses such as rent or food, which is usually included in the price of assisted living and nursing home facilities.
Cost of Homemaker/Home Health Aide Comparison Chart
Medicaid is a public health insurance program that provides health benefits to eligible low-income people. California’s Medicaid program, which is called Medi-Cal, covers a variety of comprehensive services. These include emergency services, hospitalization, physical therapy, preventative services and mental health services. Medi-Cal may also provide coverage for long-term care, including personal care and community-based services.
To be eligible for Medi-Cal coverage, seniors must:
Countable assets refer to certain types of liquid assets, such as your bank balances or stock portfolios. The primary residence, one car, clothing, household items and recreation items are excluded. Real estate and personal property that’s used for business is also excluded.
To apply for Medi-Cal coverage, California residents can fill out an application on the Covered California website or call (800) 300-1506 to speak with a representative. Seniors who prefer to apply in person can visit their local Department of Health and Human Services office.
Assisted Living Waiver Program
This home- and community-based services waiver provides services to seniors who live in assisted living facilities and the community. The Assisted Living Waiver program does not cover room-and-board costs. Covered services may include:
In addition, participants may have access to two other waiver benefits: Care Coordination and Nursing Facility Transition Care Coordination. The former develops individualized service plans for seniors and arranges for them to receive necessary services. The service delivery is monitored monthly. The latter waiver benefit helps seniors who live in nursing facilities transition back into the community. This may include a transition to an assisted living facility.
To participate in this waiver program, seniors must be eligible for full Medi-Cal coverage. They must have a verified need for the level of care that’s provided in nursing homes but be willing and able to live in an assisted living facility. Seniors must also receive assisted living care in a county that supports the waiver. While Marin County doesn’t offer the waiver at this time, San Rafael seniors can receive services in nearby counties, including Contra Costa, San Francisco, Santa Mateo and Sonoma.
To apply for this program, Medi-Cal members can contact the Care Coordination Agency (CCA) that serves the county where they would like to receive services. The CCA conducts an assessment and determines a senior’s care needs.
Multipurpose Senior Service Program
The Multipurpose Senior Service Program (MSSP) helps prevent or delay individuals from moving into a nursing facility. The waiver program provides community services to help seniors remain in their own homes or in an assisted living facility. Some of the services provided through this program include personal care assistance, care management and meal services.
To be eligible for this program, seniors must:
Marin County’s MSSP site is operated by Jewish Family and Children’s Services. To receive an assessment, seniors can call this agency at (415) 491-7960. A maximum of 11,789 seniors can be served through MSSP each month, so there may be a waiting list to receive services.
Optional State Supplementation
The Supplemental Security Income (SSI) program provides monthly cash assistance to seniors who have a low income. Seniors who live in assisted living facilities are able to receive a higher monthly payment than seniors who live independently. This additional funding is known as Optional State Supplementation (OSS).
Seniors who live in an assisted living facility can receive up to $1,194.37. For couples, the maximum OSS payment is $824.60 for a total SSI benefit of $2,388.74. Seniors who have other sources of income may receive lower payment amounts.
Seniors can qualify for SSI payments if they are 65 years of age or older and have limited income and resources. To learn more about this program, apply online or call the Social Security Administration at (800) 772-1213.
Assisted Living Bridge Loans
Some seniors have a long-term source of funding for assisted living care, but don’t have access to the funds yet. This may be the case for seniors who are planning to sell their homes and use the proceeds to pay for care. These seniors may want to look into assisted living bridge loans.
These loans, which are offered by Elderlife Financial, provide short-term funding for assisted living care. It’s a structured line of credit, so seniors only withdraw the amount they need.
Be prepared to explain your plans to repay the loan. Since up to six cosigners are permitted, individual creditworthiness may not be a deciding factor.
To apply, fill out an online application with Elderlife Financial, or call (888) 228-4500.
San Rafael seniors can contact the county DHHS office to apply for Medi-Cal or to learn more about their coverage. The local AAA office connects seniors with community services, such as assisted transportation and case management. It also provides information and assistance regarding issues that affect seniors.
Marin County Department of Health and Human Services (DHHS)
120 N. Redwood Dr., San Rafael, CA 94903
Marin County Aging and Adult Services
10 N San Pedro Rd., San Rafael, CA 94903
Area Agency on Aging for Marin County
The San Rafael Community Center offers a variety of programs, including exercise classes, art classes and weekly bingo games. It also organizes trips throughout California and the United States. At the Osher Marin JCC, seniors can participate in Shabbat luncheons and other programs.
San Rafael Community Center
618 B St., San Rafael, CA 94901
While there are no Veterans Affairs resources located within San Rafael itself, there are many VA locations in nearby San Francisco. Eligible seniors can travel to the city’s VA hospital or VA clinics to receive medical treatment.
San Francisco VA Health Care System
4150 Clement St., San Francisco, CA 94121
San Francisco VA Downtown Clinic
401 3rd St., San Francisco, CA 94107
San Francisco Vet Center
505 Polk St., San Francisco, CA 94102
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