Alzheimer’s care costs San Diego families an average of $6,951 per month for memory care alone — and that’s just the beginning.
According to the Alzheimer’s Association’s 2025 Facts and Figures report, the total lifetime cost of care for someone with dementia averages $405,262. Families bear approximately 70% of that burden through out-of-pocket expenses and unpaid caregiving.
More than 60,000 people in San Diego and Imperial counties are currently living with Alzheimer’s disease, and over 160,000 family members and friends are providing care. Understanding your options — and planning early — can protect your family from financial devastation.
Here’s what San Diego families need to know about paying for Alzheimer’s care in 2026.
Understanding Alzheimer’s Care Costs San Diego Families Face
San Diego County ranks among the more expensive areas for senior care in California. Here’s what families can expect to pay:
San Diego County Care Costs (2024-2025)
- In-home care (licensed agency): $35-40/hour — includes insurance, background checks, caregiver training, and backup coverage. See our transparent pricing.
- In-home care (private caregiver): $24-30/hour — lower cost but family assumes employer responsibilities (taxes, insurance, backup coverage).
- Assisted living: $4,500-5,500/month average
- Memory care facility: $6,000-7,500/month average (range: $5,500-12,000)
- Skilled nursing facility: $10,000-12,500/month (private room)
Memory care costs in San Diego have risen nearly 20% since 2022 and are outpacing the California average and national inflation. The Alzheimer’s care costs San Diego families face are among the highest in California, making financial planning more critical than ever.
National Perspective
- $405,262 — Average lifetime cost of care from diagnosis to death
- $384 billion — Total U.S. spending on dementia care projected for 2025
- 70% — Portion paid by families (out-of-pocket plus unpaid caregiving)
- 3x higher — Medicare spending for dementia patients vs. those without
Why Alzheimer’s Care Costs Are Different
Unlike a sudden injury or illness that requires immediate intensive care, Alzheimer’s is progressive. Care needs — and costs — increase over time.
Early Stage: Your loved one may need minimal assistance. A family member checking in, helping with complex tasks like finances, or occasional companionship may be sufficient. Costs are relatively low.
Middle Stage: Daily assistance becomes necessary. Help with bathing, dressing, meal preparation, and medication reminders. This is when most families hire in-home caregivers or consider adult day programs. Costs increase significantly.
Late Stage: Around-the-clock supervision is required. Your loved one may need help with all activities of daily living, including eating and mobility. Many families transition to 24-hour home care or memory care facilities. Costs reach their peak.
The average duration from diagnosis to death is 4-8 years, though some people live 20 years or more. This extended timeline is what makes Alzheimer’s so financially devastating — costs compound year after year.
8 Ways to Pay for Alzheimer’s Care Costs San Diego Families Should Know
Fortunately, there are several ways to manage the financial burden. Here are eight payment options every San Diego family should explore:
1. Medicare (Limited Coverage)
Medicare covers some Alzheimer’s-related costs, but not long-term custodial care.
What Medicare covers:
- Doctor visits and diagnostic tests
- Hospital stays
- Short-term skilled nursing (up to 100 days after hospitalization)
- Prescription medications (Part D)
- FDA-approved Alzheimer’s treatments like Leqembi (with conditions)
- Hospice care
What Medicare does NOT cover:
- Long-term custodial care (help with daily activities)
- In-home caregivers for non-medical assistance
- Assisted living or memory care facility room and board
- Adult day care programs
Medicare Special Needs Plans (SNPs) are available specifically for people with dementia and may offer additional benefits. Visit medicare.gov to find plans in San Diego.
2. Medi-Cal (California’s Medicaid)
Medi-Cal can significantly reduce Alzheimer’s care costs San Diego residents pay out of pocket, covering long-term care for Californians with limited income and assets.
California eligibility (effective April 2024):
- Single individual: Monthly income cannot exceed $1,732
- Married couple (both applying): Income limit is $2,352/month
- Asset limits have been removed as of April 2024
What Medi-Cal covers:
- Nursing home care (often 100%)
- Some home and community-based services through waivers
- Care services in assisted living (but NOT room and board)
- Spouses typically can keep the home and one vehicle
San Diego Resources: The Assisted Living Waiver (ALW) and CalAIM programs may provide additional coverage. Contact San Diego Aging & Independence Services at 800-339-4661 for help navigating Medi-Cal options.
3. VA Benefits (For San Diego Veterans)
San Diego has one of the largest veteran populations in the nation. For veterans, VA benefits can offset Alzheimer’s care costs that San Diego families would otherwise bear alone.
VA Aid and Attendance Pension (2024 maximum rates):
- Single veteran: Up to $2,431/month
- Married veteran: Up to $2,883/month
- Surviving spouse: Up to $1,564/month
These tax-free benefits can be used for in-home care, assisted living, memory care, or nursing home costs — including room and board (unlike Medi-Cal).
San Diego VA Resources:
- VA San Diego Healthcare System: 858-552-8585
- Home-Based Primary Care for veterans with dementia
- Homemaker and Home Health Aide services
- Respite care for family caregivers
- Adult Day Health Care
- GeriPACT (Geriatric Patient Aligned Care Teams) for complex conditions
Visit VA San Diego Health Care or call 1-877-222-8387.
4. Long-Term Care Insurance
If your loved one purchased long-term care insurance before their diagnosis, it may cover substantial care costs.
Typical coverage includes:
- In-home care
- Assisted living
- Memory care facilities
- Nursing home care
Review the policy carefully. Most have elimination periods (waiting periods before benefits begin) and daily or monthly benefit limits. Some require a diagnosis of cognitive impairment to trigger benefits.
5. Life Insurance Options
Existing life insurance policies can be cashed in to cover care costs.
Life settlement: Sell your life insurance policy to a third party for a lump sum (typically 20-30% of the death benefit). You stop paying premiums and receive cash immediately.
Accelerated death benefit: Many policies allow you to access a portion of the death benefit early if diagnosed with a terminal or chronic illness. Check your policy or ask your insurance company.
Policy loan: Borrow against the cash value of a whole life policy. Interest accrues, and the loan reduces the death benefit.
6. Home Equity
For many San Diego seniors, home equity is their largest asset — especially given local property values.
Reverse mortgage: Converts home equity into cash (lump sum, monthly payments, or line of credit) while allowing the homeowner to remain in the home. The loan is repaid when the home is sold or the homeowner passes away.
Home equity loan or line of credit: Borrow against home equity with a monthly repayment required.
Selling the home: If your loved one moves to a care facility, selling the home can fund years of care. San Diego’s strong housing market may provide significant equity.
▶ Important: Consult a financial advisor before using home equity. These decisions affect Medi-Cal eligibility and estate planning.
7. Personal Savings and Retirement Accounts
Many families use savings, 401(k)s, IRAs, and other retirement accounts to pay for care.
Consider:
- Tax implications of retirement account withdrawals
- Impact on the healthy spouse’s financial security
- Required minimum distributions (RMDs) that must be taken anyway
- Balancing care costs with other retirement needs
8. Family Contributions and Unpaid Caregiving
In San Diego County alone, an estimated 250,000 unpaid caregivers provide more than 285 million hours of care annually for residents living with Alzheimer’s and dementia.
Family caregiving reduces out-of-pocket costs but comes with its own price:
- Lost wages and career advancement
- Reduced Social Security and retirement savings
- Physical and emotional health impacts
- Caregiver burnout
Many families combine unpaid caregiving with professional respite care to balance costs and caregiver wellbeing.
Essential Legal Documents to Prepare Now
Early in the disease, while your loved one can still participate in decisions, get these documents in place:
✓ Durable Power of Attorney (Financial) — Designates someone to manage finances when your loved one can no longer do so.
✓ Healthcare Power of Attorney — Designates someone to make medical decisions.
✓ Advance Directive / Living Will — Documents your loved one’s wishes for end-of-life care.
✓ HIPAA Authorization — Allows family members to communicate with doctors.
✓ Updated Will and/or Trust — Ensures assets are distributed according to wishes.
Without these documents, families may face expensive and time-consuming conservatorship proceedings in San Diego Superior Court.
San Diego County Alzheimer’s Resources
Beyond payment options, understanding local resources can help families manage Alzheimer’s care costs, which San Diego provides assistance with. Here are the key organizations:
Information and Referrals
- Aging & Independence Services (AIS) — San Diego’s Area Agency on Aging. Call 800-339-4661 for help with care options, benefits, and community resources.
- Alzheimer’s San Diego — Local nonprofit providing care consultations, support groups, education, and resources. Call 858-492-4400.
- Alzheimer’s Association San Diego/Imperial Chapter — 24/7 helpline: 800-272-3900
- 2-1-1 San Diego — Free referrals to local services in multiple languages. Dial 2-1-1.
Caregiver Support
- San Diego Caregiver Coalition — Free Caregiver Handbook and resources
- George G. Glenner Alzheimer’s Family Centers — Adult day programs and GLENNERCARE™ navigation services. Call 1-833-770-CARE
- Live Well San Diego – Dementia & Brain Health — Dementia-friendly community resources and activities toolkit
Research and Clinical Care
- UC San Diego Shiley-Marcos Alzheimer’s Disease Research Center — Clinical trials, research, and specialized care
Start Planning Today
The best time to plan for Alzheimer’s care costs is before you need to. The second-best time is now.
✓ Assess current finances — Income, assets, insurance policies, benefits eligibility.
✓ Understand care needs trajectory — Plan for increasing costs over time.
✓ Complete legal documents — While your loved one can still participate.
✓ Explore all payment options — Don’t assume you won’t qualify for VA or Medi-Cal benefits.
✓ Consult professionals — Elder law attorney, financial advisor, geriatric care manager.
✓ Get care assessments — Understand current needs and anticipated progression.
References
- Alzheimer’s Association. (2025). 2025 Alzheimer’s Disease Facts and Figures. Alzheimer’s & Dementia. alz.org
- Alzheimer’s Association San Diego/Imperial Chapter. (2024). Local Statistics. alz.org/sandiego
- Caring.com. (2025). Assisted Living and Memory Care Facilities in San Diego. caring.com
- CareScout. (2024). Cost of Care Survey — California/San Diego. genworth.com
- County of San Diego. (2024). Aging & Independence Services Area Plan 2024-2028. sandiegocounty.gov
- U.S. Department of Veterans Affairs. (2024). VA San Diego Healthcare System. va.gov
How All Heart Home Care Can Help
At All Heart Home Care, we’ve been serving San Diego County families since 2014 from our locations in La Mesa, La Jolla, and Rancho Bernardo. We help families navigate Alzheimer’s care costs San Diego-wide with flexible, affordable care plans tailored to your budget.
Our Alzheimer’s and dementia care services include:
- Caregivers trained specifically in dementia care techniques
- Flexible scheduling — from a few hours to 24-hour care
- Assistance with activities of daily living
- Medication reminders and safety supervision
- Companionship and cognitive engagement
- Respite care for family caregivers
As a veteran-owned agency, we also help families navigate VA benefits coordination and can work with your long-term care insurance.
Call us at (619) 736-4677 for a free in-home consultation. We’ll assess your loved one’s needs, explain your options, and help you create a care plan that works for your family — and your budget.
Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or medical advice. Consult with qualified professionals (an elder law attorney, a financial advisor, and a physician) for guidance specific to your situation. Benefits, costs, and eligibility requirements may change. Cost estimates are based on 2024-2025 data and vary by location and level of care.



