How much does long-term care cost in California, and how do people pay for it?

Long-term care costs in California range from roughly $25,000–$35,000 per year for home or community-based care to $120,000 or more per year for a private nursing home room in major metro areas. Click Here to find costs in your area. People typically pay through a combination of personal savings, long-term care insurance, and — for those who qualify — Medi-Cal (California’s Medicaid program), which requires meeting strict income and asset limits. Medicare, Medigap, and standard health insurance do not cover extended custodial care.