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.
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 |
Get California Long Term Care Insurance Quotes. We quote compare the leading California LTC insurance providers.
Source: Cost of Care Survey 2021 (Genworth.com), site accessed 06/09/2022