Alzheimer’s Care Costs San Diego: Essential 2026 Family Guide

Alzheimer's care costs San Diego - family caregiver helping senior

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

Caregiver Support

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

  1. Alzheimer’s Association. (2025). 2025 Alzheimer’s Disease Facts and Figures. Alzheimer’s & Dementia. alz.org
  2. Alzheimer’s Association San Diego/Imperial Chapter. (2024). Local Statistics. alz.org/sandiego
  3. Caring.com. (2025). Assisted Living and Memory Care Facilities in San Diego. caring.com
  4. CareScout. (2024). Cost of Care Survey — California/San Diego. genworth.com
  5. County of San Diego. (2024). Aging & Independence Services Area Plan 2024-2028. sandiegocounty.gov
  6. 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.

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About the author

Eric Barth, co-founder and CEO of All Heart Home Care San Diego

Eric Barth

CEO, All Heart Home Care

Eric Barth is the founder and CEO of All Heart Home Care™, an award-winning San Diego agency dedicated to providing compassionate, personalized in-home care for seniors. As the writer behind the All Heart Home Care blog, Eric shares insights and stories drawn from years of hands-on experience leading one of San Diego’s most trusted home care teams.

Additional FAQ's on Digital Home Care System

Yes. HITRUST CSF Certified security—same gold standard hospitals use. More secure than paper.

Extremely rare (99.9% uptime), but caregivers can work in offline mode if connectivity is temporarily lost. Care continues without interruption. Documentation syncs automatically when connection returns.

Caregivers document throughout their shift in real-time. Notes are typically finalized and visible in Family Room within minutes of the caregiver clocking out.

We can set up Family Room accounts for as many family members as you want—local siblings, children in other states, anyone you authorize. Everyone sees the same information. No limit on number of accounts.

Yes. Family Room includes secure document storage. Upload medical records, insurance cards, POLST forms, medication lists, doctor’s instructions, photos—anything important. All authorized family members can access these documents. No more searching for forms.

We update the digital care plan immediately, and all caregivers receive instant notification of changes. This is one of the biggest advantages over paper—updates reach everyone simultaneously, not gradually over days or weeks.

Absolutely. Family Room is a tool for families who want it, not a replacement for human connection. We’re always reachable by phone at (619) 736-4677. Many families use both—portal for quick updates, phone calls for detailed conversations.

We train every caregiver on the WellSky mobile app before their first shift. The app is intuitive—designed specifically for caregivers, not engineers. If someone can text and use GPS navigation, they can use our caregiver app. And we provide ongoing support.

Yes. The Family Room care calendar shows upcoming shifts with caregiver names and times. You’ll know exactly who’s coming and when. No more surprise caregiver switches.

Use the two-way messaging feature in Family Room. Send your message, and the caregiver receives an instant notification on their mobile app. They’ll see it and can respond or confirm receipt immediately.

Yes. All notes are searchable. Want to see every mention of “appetite” from the past month? Type it in the search bar and find all relevant notes instantly. No more flipping through pages of handwritten entries.

You can access the complete care history from the day Family Room access began. Review notes from last week, last month, or since care started. Historical data helps identify patterns over time.

Family members cannot delete caregiver documentation—that’s protected and maintained by All Heart for record-keeping purposes. You can delete your own uploaded documents, but we can often recover those if needed within a certain timeframe.

With your authorization, we can provide limited Family Room access to healthcare providers. This allows better coordination between home care and medical teams. You control exactly who has access and what they can see.

Family Room works both ways. You can access it through any web browser (Chrome, Safari, Firefox, Edge) on your computer, or download the mobile app for easier access on your phone or tablet. Your choice.

All authorized Family Room users see the same care information—we can’t create different access levels for different family members. However, you (as the primary contact) control who gets Family Room access in the first place. If family dynamics are challenging, you decide who receives login credentials.

The messaging system shows when messages are delivered and read. You’ll see confirmation that the caregiver received and opened your message. For critical information, you can also call our office to ensure the message was received.

Yes. You can print individual shift notes, date ranges, or specific types of documentation (like Change of Condition reports) directly from Family Room. Useful for doctor appointments or insurance purposes.

If your loved one transitions to hospice, hospital, or another care setting, we can maintain your Family Room access for a transition period so you have complete records. After care ends, we provide a final data export if requested, then access is closed according to your wishes and legal requirements.

Yes. Family Room is accessible from anywhere with internet connection. If you’re traveling abroad, you can still check on your loved one’s care. The system works globally.

Family Room doesn’t support selective information sharing—all authorized users see the same care documentation. For private family communications, you’d need to use personal email, phone, or text outside the Family Room system.

Change of Condition reports automatically alert you when caregivers document significant health changes. For custom alerts (like specific behaviors or situations), talk to our office—we may be able to add special flags to your loved one’s care plan that trigger notifications.

We typically set up Family Room access during your initial care planning meeting, before the first caregiver shift. You’ll have login credentials and a brief tutorial on how to use the portal. Most families are viewing their first shift notes within 24 hours of care beginning.

Complete Security & Privacy Information

HITRUST CSF Certification - What This Means

HITRUST CSF (Common Security Framework) is the most rigorous security certification in healthcare. It's harder to achieve than HIPAA compliance alone. This certification requires:

Why it matters: If it’s secure enough for hospital patient records, it’s secure enough for your loved one’s care information.

Bank-Level Encryption Explained

Data in Storage (At Rest):

Data in Transmission (In Transit):

What this means: Even if someone intercepted the data (extremely unlikely), they would only see scrambled, unreadable information.

Strict Access Controls

Who Can See What

Family Member Access:

Caregiver Access:

Staff Access:

Audit Trail:

HIPAA Compliance - Federal Protection

The Health Insurance Portability and Accountability Act (HIPAA) establishes federal standards for protecting health information. Our compliance includes:

Privacy Rule Compliance:

Security Rule Compliance:

Breach Notification:

Business Associate Agreements:

Continuous Backup & Disaster Recovery

Automated Backups:

Redundancy:

Disaster Recovery Plan:

What this guarantees: Your loved one’s care information is never truly lost. Even if an entire data center were destroyed, complete backups exist elsewhere.

99.9% Uptime Guarantee

What “99.9% uptime” means:

Monitoring:

If the system goes down:

Multi-Factor Authentication (Optional)

For families who want extra security, we can enable multi-factor authentication (MFA):

Mobile Device Security

Caregiver Phones:

Your Devices:

Security Incident Response

In the extremely unlikely event of a security concern:

Digital vs. Paper Security Comparison

Security Concern
Paper Binders
WellSky_Color

Who can read it?

Anyone who enters the home

Only authorized users

Can it be lost?

✔︎ — permanently

— backed up continuously

Can it be damaged?

✔︎ — spills, fires, floods

— stored digitally

Is access tracked?

✔︎ Access logged & audited

Encryption protection?

✔︎ — bank-level encryption

Updates reach everyone?

— printing/distribution delays

✔︎ — instant notification

Survives disasters?

✔︎ — redundant backups

HIPAA compliant?

— difficult to prove

✔︎ — certified & audited

Can be accidentally discarded?

✔︎

— requires a password

Verdict: Digital is significantly more secure than paper in every measurable way.

Common Security Questions

"What if I forget my password?"

Secure password reset process via email or phone verification. We verify your identity before resetting access.

"Can hackers access the system?"

Multiple layers of security make unauthorized access extremely difficult. Regular penetration testing simulates attacks to identify and fix vulnerabilities before hackers can exploit them.

"What if my phone is stolen?"

Change your password immediately from any other device. The thief would still need your password to access Family Room.

"Can All Heart staff see my credit card information?"

No. Payment processing is handled by a separate, PCI-compliant payment processor. We never see or store your full credit card number.

"What happens to the data if I stop using All Heart?"

Your data is retained according to legal requirements (typically 7 years for healthcare records), then securely deleted. You can request a copy of your data at any time.

This isn’t just secure—it’s among the most secure systems available in healthcare.

Your information is safer in our digital system than it ever was in a paper binder sitting on a kitchen counter.

Complete Care Plan Contents:

Care Goals & Priorities

Emergency Contact Information

Medical Conditions & Health History

Mental Health & Cognitive Status

Medications & Supplements

Mobility & Transfers

Personal Care Routines

Meal Preparation & Dietary Needs

Daily Routines & Schedules

Activities & Engagement

Home Environment Details

Transportation & Driving

Additional Important Information

This comprehensive information ensures every caregiver provides consistent, personalized care from day one.

Tracking health changes that matter.

The Change of Condition form documents significant shifts in your loved one’s health—new symptoms, changes in mobility, behavioral differences, or improvements in their condition. This isn’t about minor day-to-day variations; it’s about meaningful changes that physicians, families, and caregivers need to know about.

Why have a separate form for this?

Instead of searching through weeks of caregiver narratives to find when symptoms started or conditions changed, this form puts all significant health changes in one easy-to-reference place. When doctors ask “when did the difficulty walking begin?” or family members want to understand the progression of a condition, you’ll have clear, dated documentation right at your fingertips.

What gets documented:

Each entry includes:

Why this form matters:

Early detection changes outcomes. When caregivers notice something different—increased confusion, difficulty walking, loss of appetite, or even positive improvements like better mobility—documenting it immediately allows for faster responses.

Your family stays informed about meaningful health changes. Physicians receive accurate updates during appointments instead of relying on memory. Incoming caregivers know exactly what’s changed and what new precautions or assistance your loved one needs.

One form. Complete health timeline. Better care.

Whether tracking a temporary change after a fall or documenting the progression of a chronic condition, the Change of Condition form creates a clear health timeline. This helps everyone—doctors, family members, and our San Diego caregiver team—understand how your loved one’s needs are evolving and respond appropriately.

Proactive monitoring isn’t just good practice. It’s essential senior care.

How the Caregiver Narrative works.

Each caregiver documents their shift using a simple timeline format that captures the essential details of your loved one’s day. This structured approach ensures consistency across all caregivers and makes information easy to find.

What we document in every narrative:

Narrative Format:

Each entry follows this structure:

Why this format works:

This timeline approach provides clear, chronological documentation that’s easy for incoming caregivers to read and understand. Instead of wondering what happened during the previous shift, they can see exactly what your loved one ate, how they felt, what activities they enjoyed, and any health changes observed.

One record. Every shift. Complete continuity.

Whether care is short-term, long-term, or evolving, the Caregiver Narrative ensures nothing gets missed and nothing gets repeated. Your family can review the journal at any time during visits, or we can share photos of recent narratives with long-distance family members who want to stay connected and informed.

Complete transparency and peace of mind, right when you need it.

Your loved one's complete care roadmap, now available digitally.

The All Heart Customized Care Plan is completed during your initial assessment and tailored to your loved one’s specific needs, preferences, mobility level, and safety requirements.

Now fully digital and accessible on every caregiver’s phone.

We’ve gone paperless. Your care plan is accessible through our digital platform—caregivers reference it anytime, anywhere. Updates happen in real-time, so when something changes, every caregiver sees it immediately.

What's included:

Care goals, emergency contacts, medical conditions, mental health & cognitive status, medications & supplements, mobility & transfers, personal care routines, meal prep & dietary needs, daily routines, activities & engagement, and home environment details.

One plan. Every caregiver. Consistent care.

This digital approach ensures every San Diego caregiver has the same accurate, up-to-date information from day one—promoting safety, continuity, and person-centered care.

See how we organize care information. This form becomes your loved one’s digital care roadmap.