Private pay
Savings, pensions, Social Security and home sale proceeds cover most stays. Ask each home what its base rate includes and how it charges for added care.
Long-term care insurance
Many policies pay a daily amount once a doctor confirms help is needed with daily activities. Check the waiting period before the policy starts paying. How it works
Veterans' benefits
VA Aid and Attendance adds money to a veteran's or surviving spouse's pension when they need help with daily activities. How it works
The Medi-Cal Assisted Living Waiver
- Assisted Living Waiver participants still pay their own room and board; the waiver pays for care services. Families apply through a Care Coordination Agency, not directly to the state. Source
- To qualify for the Assisted Living Waiver a person must be 21 or older, have full-scope Medi-Cal with no share of cost, need the level of care given in a nursing home, and be willing to live in assisted living instead. Source
- The Medi-Cal Assisted Living Waiver pays for care in assisted living for people who would otherwise qualify for a nursing home. It is available only in Alameda, Contra Costa, Fresno, Kern, Los Angeles, Orange, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Joaquin, San Mateo, Santa Clara and Sonoma counties. Source
- Medi-Cal pays assisted living providers $95.69 to $270.80 a day for waiver care services, across five tiers of need. Source
- The current Assisted Living Waiver term runs March 1, 2024 to February 28, 2029. Source
Facts checked November 14, 2026 with the California Department of Health Care Services. Waiver slots are limited and some counties have waitlists.
Assisted living in waiver counties
Not every home takes the waiver. Ask each home directly.
- Sacramento Sacramento County · 206
- Fresno Fresno County · 172
- San Diego San Diego County · 172
- Mission Viejo Orange County · 155
- Los Angeles Los Angeles County · 142
- San Jose Santa Clara County · 139
- Bakersfield Kern County · 125
- Anaheim Orange County · 97
- Elk Grove Sacramento County · 96
- Concord Contra Costa County · 93
- Santa Rosa Sonoma County · 91
- Torrance Los Angeles County · 90