3 Assisted Living Communities in Gilroy, California

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 3 Assisted Living Communities in Gilroy and several in surrounding areas. The Cost of Senior Care in Gilroy, CA

• Assisted Living: $5,500
• Nursing Home Care: $9,125
• In-home Care: $5,339
• Adult Day Health Services: $1,560

Genworth’s 2018 Cost of Care study collected data on senior living costs nationwide. The results show that Gilroy’s average monthly cost for assisted living is higher than the national ($4,000) and state ($4,500) averages. Costs are comparable to nearby San Jose ($5,500) and Santa Cruz ($5,595), while prices are significantly lower in inland cities to the east, including Merced ($3,500), Madera ($3,323) and Modesto ($3,200). 

Note: Senior care cost data wasn’t available for Gilroy, so data for the closest city, Salinas, was used.

Senior care costs are based on the location, the type of care and the number of direct service hours provided each week. In Gilroy, nursing home care is the most expensive option, about $3,600 more than assisted living. In-home senior care, such as a home health aide and homemaker services, are priced close to assisted living based on 44 hours of care weekly.  When comparing senior care options, it’s important to recognize that residential care, such as an assisted living facility or nursing home, includes meals, accommodation and home maintenance — expenses that are not included with in-home senior care services.  

 

Established by President Lyndon B. Johnson in 1965, Medicaid is the national health coverage program for low-income children, adults, seniors and people with disabilities. It is jointly funded by state and federal governments and administered by each state. 

In California, the Medicaid program is known as Medi-Cal. To qualify for coverage, seniors 65 and older need to meet the following income and asset limits:

• Earn no more than $1,242 a month when applying as a single
• Earn no more than $1,682 a month when applying with a spouse
• Own a maximum of $2,000 in countable assets as a single
• Own a maximum of $3,000 in countable assets as a couple

Income from all sources is counted, including pension payments, alimony and investment interest. Assets include cash, bonds and all real estate except the applicant’s principal residence. One vehicle, personal belongings, household furnishings and a non-revocable burial trust are also exempt. 

Seniors who are on Supplemental Security Income are automatically covered under Medi-Cal. Seniors with incomes that exceed Medi-Cal limits may qualify for Medi-Cal coverage on a Share of Cost basis. Under a SOC agreement, seniors must pay all of their own medical expenses up to a predetermined limit, at which point Medi-Cal benefits begin. 

California Assisted Living Waiver

Seniors who are both Medi-Cal-eligible and need a nursing home level of care may qualify for services through the Assisted Living waiver, a Medi-Cal home and community-based waiver. The ALW helps prevent or delay nursing home placement among low-income seniors by supplementing services in an assisted living setting. 

A registered nurse assesses seniors in Gilroy through an area Care Coordination Agency. If approved for the ALW, seniors are responsible for the room-and-board portion of their monthly assisted living costs at an ALW program-participating facility located within Santa Clara County. Additional support services may include medication management, personal care, transportation, homemaker services and physical therapy as prescribed through the ALW assessment. 

For more information on Medi-Cal and the ALW, contact the Institute on Aging, the CCA for Santa Clara County, at (408) 474-0679

Optional State Supplementation

Seniors 65 and older who collect Supplemental Security Income may be eligible for additional funds for the room-and-board portion of their assisted living costs through the California Optional State Supplementation program. 

Under the California OSS, qualified seniors may receive up to a maximum of $1,194.37 in combined SSI/OSS benefits each month or up to $2,388.74 for couples who apply together. 

To learn more about the OSS program contact the San Jose Social Security Administration Office at (800) 772-1213. 

Program of All-Inclusive Care for the Elderly

Medicaid- and Medicare-eligible seniors 55 and older who need a nursing home level of care may qualify for services through the Program of All-Inclusive Care for the Elderly. In Santa Clara County, On Lok Lifeways operates the PACE program, which is open to applicants living in specific zip codes within the county. 

For more information and application assistance, contact an On Lok Lifeways PACE enrollment specialist at (888) 886-6565. 

Veterans and survivors can contact the Santa Clara Office of Veterans Services for information on local veterans services, benefits and assistance with benefit applications and appeals. The San Jose CBOC, part of the VA Palo Alto Health Care System, provides comprehensive outpatient medical services, including occupational and physical therapy, diabetes management, cardiology and social work. 

County of Santa Clara, Office of Veterans Services
68 North Winchester Boulevard, Santa Clara, CA 95050
(408) 918-4980

San Jose CBOC
5855 Silver Creek Valley Place, San Jose, CA 95138-1059
(408) 574-9100

The Mt. Madonna YMCA works in partnership with the city of Gilroy to provide seniors with access to social groups, free blood pressure screening, nutritional programs, tax preparation assistance and free legal and health insurance counseling. The YMCA also operates a senior nutrition program in Gilroy for adults 60 and older that provides free and low-cost lunches weekdays at the Gilroy Senior Center.  Mt. Madonna YMCA – Centennial Recreation Senior Center
171 West Edmundson Avenue, Morgan Hill, CA 95037
(408) 782-1284

Senior Homes has an extensive directory of senior living options, with care and living providers across the United States.