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TRUSTED INSURANCE CARRIERS

Mutual of Omaha long term care insurance.
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Global Atlantic long term care insurance.

June 2, 2022 by LTC Insurance Consultants

California Long Term Care Costs 2022

Long Term Care Costs In California

California Long Term Care Insurance has essentially become a necessity, much like health insurance, for all but the very wealthy. The necessity becomes clear when you consider California long term care costs. The 2022 median cost of a California long term care facility is now $146,000 ($400/Day).

CLICK HERE To Get California Long Term Care Insurance Quotes. We’ll give you quotes and comparisons for the leading LTC insurance providers in your state.

That’s the price of a private room in a California nursing home. An average 3 year nursing facility stay at $438,000 could easily bankrupt the average California family and that’s if only one family member requires long term care services. Home health care costs are expensive too with the median annual cost of a Home Health Aide in California being $73,216.

Long term care insurance California costs.

San Jose and Santa Maria long term care costs are the highest in the State of California with an annual cost of $187, ($515/Day) for a long term care facility. Napa, San Francisco, Sacramento and Yuba city follow closely behind with costs of over 160,000 per year.

Long Term Care Insurance Protection

Long term care insurance policies pay for Nursing Facility, Assisted Living Facility and Home Health Care costs. Due to the high cost of long term care services, the long term care insurance companies have significant exposure and must carefully health qualify applicants. Generally speaking, applicants need to be enjoying relatively good health in order to be approved by the best long term care insurance carriers.

Long term care insurance premiums and discounts vary by carrier, age of applicant and health history. Most companies now charge higher premiums for women but some do not. For these reasons, it’s typically in the best interest of the long term care insurance consumer to work with an agent who specializes in long term care insurance and who represents multiple companies.

California Long Term Care Costs – 2021 (annual)

Region Nursing Home (private room) Nursing Home (semi-private) Assisted Living
(private room)
Home Health Aide (44 Hrs/wk)
California
State Median
$146,000 $117,530 $63,000 $73,216
Bakersfield $125,195 $109,865 $45,000 $66,077
Chico $141,438 $110,413 $61,275 $68,640
El Centro $106,215 $106,215 $73,800 $41,184
Fresno $120,450 $103,660 $46,800 $66,352
Hanford Area $122,275 $114,975 $52,200 n/a
Los Angeles Area $135,233 $109,500 $63,000 $70,928
Madera $92,528 $90,703 $45,930 n/a
Merced $118,808 $104,755 $48,000 $75,458
Modesto $138,700 $125,560 $48,000 $69,212
Napa $167,900 $127,750 $75,600 $77,220
Oxnard $145,270 $135,050 $69,000 $72,644
Redding $166,685 $129,210 $53,400 $80,080
Riverside Area $106,376 $95,904 $48,000 $73,216
Sacramento Area $169,543 $127,750 $62,700 $75,504
Salinas $146,000 $116,800 $72,000 $80,080
San Diego Area $146,000 $112,603 $65,700 $77,678
San Francisco Area $168,813 $138,791 $75,825 $85,800
San Jose Area $187,063 $142,350 $72,000 $85,228
San Luis Obispo Area $146,000 $120,450 $63,600 $85,800
Santa Cruz Area $144,175 $127,750 $66,600 $84,084
Santa Maria Area $187,975 $128,845 $63,600 $80,080
Santa Rosa $149,650 $135,598 $84,570 $82,940
Stockton Area $153,118 $120,176 $43,782 $65,780
Vallejo Area $123,370 $125,560 $59,400 $71,500
Visalia Area $107,675 $102,200 $41,400 $64,064
Yuba City $182,500 $127,750 $55,890 $70,745

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Source: Cost of Care Survey 2021 (Genworth.com), site accessed 06/09/2022

Filed Under: California Long Term Care Insurance, Genworth Financial, Genworth Long Term Care, Long Term Care Costs, Long Term Care Insurance General Blog, Long Term Care Insurance Underwriting Tagged With: best long term care insurance companies, california long term care facility, california long term care insurance, home health care costs, long term care insurance companies, long term care insurance policy, long term care insurance premiums, san mateo long term care costs

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