San Francisco Towers Senior Living Community
Location: San Francisco, California | Community Type: Continuing Care Retirement Community | Care Levels: Independent Living, Assisted Living, Memory Care
Overview: What is San Francisco Towers?
San Francisco Towers is a continuing care retirement community in San Francisco that offers independent living, assisted living, and specialized memory care for seniors in the Bay Area. The community serves approximately 280 residents across three care levels, providing comprehensive senior living services with access to San Francisco's cultural, medical, and recreational resources.
Whether you're planning ahead for retirement living or need care support for a loved one with memory impairment, San Francisco Towers offers flexibility to adjust care levels as needs change—all within the same community.
San Francisco Towers Care Levels: What Services Are Available?
San Francisco Towers provides three distinct care levels designed to meet different needs as seniors age. You can start in independent living and transition to assisted living or memory care without changing communities.
Independent Living
Independent living at San Francisco Towers is designed for active, mobile seniors who want a vibrant retirement community without significant care needs. Residents maintain complete independence while gaining access to social activities, dining, and support services.
- Housing options: Studio and one-bedroom apartments with full kitchens, modern appliances, and in-unit washer/dryer
- Included amenities: Community dining room with chef-prepared meals (optional), fitness center, library, art studios, computer lab
- Services: Housekeeping, maintenance, 24-hour emergency call system, concierge services
- Social programs: Wellness classes, lectures, cultural outings, volunteer opportunities, hobby groups
- Approximate monthly cost: $3,200–$4,500 (varies by apartment size and included services)
Assisted Living
Assisted living at San Francisco Towers provides personal care support for seniors who need help with daily activities but want to maintain as much independence as possible. Staff assist with bathing, dressing, medication management, and meal preparation while residents retain control over their lifestyle.
- Care assistance provided: Bathing and dressing support, toileting assistance, medication reminders and management, grooming help, ambulation assistance
- Dining services: Three nutritious meals daily in the dining room, snacks available, special dietary accommodations, meal delivery to rooms if needed
- Housekeeping and laundry: Weekly housekeeping, daily laundry service, maintenance and repairs included
- Health services: 24/7 on-site staff, blood pressure monitoring, fall prevention programs, coordination with personal physicians
- Activities and engagement: Recreational programs, spiritual services, visiting specialists, pet-friendly policies
- Approximate monthly cost: $5,800–$7,200 (varies by care intensity and room type)
Memory Care
Memory care at San Francisco Towers provides specialized 24/7 care for residents with Alzheimer's disease, dementia, or other memory impairments. Staff are trained in dementia care techniques, and the environment is designed to provide security, structure, and meaningful engagement for residents with cognitive decline.
- Specialized programming: Reminiscence therapy using music and photographs, structured daily routines, cognitive activities adapted to abilities, sensory stimulation activities
- Security features: Secured unit with keypad exits, 24/7 staff monitoring, GPS-equipped clothing for wandering prevention, secure outdoor spaces for safe exploration
- Personalized care plans: Individual assessment of cognitive and physical abilities, care plans developed with family input, regular reassessment as needs change
- Family support: Family education about dementia, caregiver support groups, regular family meetings, open visitation policies
- Medical coordination: Medication management by licensed nurses, coordination with neurologists and geriatric specialists, hospital liaison services
- Dining and nutrition: Three meals daily adapted to swallowing ability, weight monitoring, hydration support, dining in social settings when possible
- Approximate monthly cost: $7,800–$9,500 (varies by care intensity and stage of dementia)
San Francisco Towers Costs: Monthly Pricing and What's Included
San Francisco Towers pricing varies by care level, room configuration, and additional services selected. Monthly costs at San Francisco Towers are above the California average of $6,800 for memory care due to the San Francisco Bay Area's high cost of living and premium location.
| Care Level | Monthly Cost Range (2026) | Cost Comparison to National Average | Room Type Options |
|---|---|---|---|
| Independent Living | $3,200–$4,500/month | Below national independent living average of $4,800 | Studio, 1-bedroom |
| Assisted Living | $5,800–$7,200/month | Comparable to California average of $6,800 | Private room, Semi-private room |
| Memory Care | $7,800–$9,500/month | 10–15% above California memory care average | Private room only |
What's Included in Monthly Costs
San Francisco Towers' monthly rates include comprehensive services, meaning there are fewer surprise additional costs than some competitors.
- Housing and utilities: Apartment or room, utilities (electricity, water, gas, trash), basic cable/internet
- Meals: Three chef-prepared meals daily, snacks and beverages, special diets accommodated
- Support services: 24/7 staff availability, emergency call system, housekeeping and laundry service
- Activities and programming: Daily activities, social events, recreational programs, spiritual services
- Care coordination: Care planning, medication management (assisted living and memory care), health monitoring
Additional Costs Not Included
While monthly rates are comprehensive, some services are available for an additional fee:
- Specialized personal care (hair salon, nail care): $50–$200/month
- Physical therapy or occupational therapy: $75–$150 per session
- Dental services: $100–$300 per visit
- Incontinence supplies (beyond standard allocation): $50–$100/month
- Private transportation services: $35–$50 per trip
- Pet care services: $30–$75/month
Does Insurance or Medicare Cover San Francisco Towers Costs?
Understanding insurance coverage is important when evaluating the true cost of senior living. Different types of insurance and assistance programs apply to different care levels at San Francisco Towers.
Medicare Coverage
Medicare does not cover the cost of assisted living or memory care at San Francisco Towers. Medicare Part A covers only short-term skilled nursing care (up to 100 days) following a hospital stay—and only if the facility is a Medicare-certified skilled nursing facility, not a residential community like San Francisco Towers.
Medicare may cover medical services received at San Francisco Towers, such as physical therapy, if those services are prescribed by your physician and meet Medicare criteria. However, room and board costs are not covered.
Medicaid Coverage in California
California's Medicaid program (Medi-Cal) provides limited coverage for assisted living through the Assisted Living Waiver (ALW) program in select counties including San Francisco County. However, very few facilities accept Medicaid due to low reimbursement rates, and San Francisco Towers does not currently participate in Medi-Cal.
Residents who become eligible for Medi-Cal may need to transfer to a Medi-Cal-accepting facility. Families interested in Medicaid coverage should discuss this possibility with the admissions team early in the process.
Long-Term Care Insurance
If you have a long-term care insurance policy, it may cover some costs at San Francisco Towers depending on:
- Policy type (facility-based coverage vs. care-based coverage)
- Daily or monthly benefit amount
- Waiting period (often 30–90 days before benefits begin)
- Whether San Francisco Towers is an in-network provider
Contact your insurance provider to verify coverage before admission.
Veterans Benefits (VA Aid and Attendance)
If you or your spouse served in the U.S. military, you may qualify for VA Aid and Attendance benefits to help pay for assisted living or memory care. The VA Aid and Attendance program provides up to $3,737/month (2026 rate) for eligible veterans.
Eligibility requirements include:
- 90+ days of active military service with at least 1 day during wartime
- Discharge under honorable conditions
- Need for assistance with 2+ Activities of Daily Living, OR blindness, OR inability to leave home without assistance
- Income below the limit (approximately $3,800/month for single veterans in 2026)
The application process takes 4–8 weeks. Contact the VA or a veterans service officer to apply.
San Francisco Towers Location and Accessibility in San Francisco
San Francisco Towers is strategically located in the downtown San Francisco area, providing residents access to world-class medical care, cultural institutions, and urban amenities while maintaining a peaceful residential environment.
Geographic Location and Neighborhoods
San Francisco Towers sits in a prime location that balances access to urban resources with residential calm. The neighborhood offers:
- Proximity to medical centers: UCSF Medical Center (2 miles), California Pacific Medical Center (1.5 miles), St. Mary's Medical Center (2 miles)
- Accessibility: Near major public transportation (MUNI, BART), easy access via highways 101 and 280
- Walkability: Walking distance to parks, shops, restaurants, cultural venues
- Neighborhood character: Mixed residential and commercial area with established community services
Accessibility Features
San Francisco Towers is designed and maintained to meet accessibility standards for seniors with mobility challenges.
- Elevators: Multiple elevators with emergency backup systems, accessible buttons and controls
- Hallways and common areas: Wide hallways (48+ inches) to accommodate walkers and wheelchairs, handrails throughout, non-slip flooring
- Bathrooms: Walk-in showers, grab bars, accessible toilet heights, emergency call systems in bathrooms
- Apartments: Lever-style door handles, adjustable shelving, accessible kitchen and bedroom configurations
- Outdoor areas: Paved walking paths, benches for resting, accessible entrances and exits
- Parking: Accessible parking spaces with guest parking available for visitors
Amenities and Facilities at San Francisco Towers
San Francisco Towers provides extensive amenities designed to support wellness, social engagement, and quality of life across all care levels.
Dining and Nutrition
- Main dining room: Chef-prepared meals with multiple entrée options daily, seasonal menus featuring fresh local ingredients
- Dietary accommodations: Vegetarian, vegan, low-sodium, diabetic-friendly, pureed and soft diets available
- Private dining: Private dining room available for family celebrations or special events
- Bistro/café: Casual dining option with coffee, snacks, and light meals available throughout the day
- In-room dining: Meal delivery to apartments available for assisted living and memory care residents
Wellness and Health Services
- Fitness center: Equipment for cardio and strength training, adapted equipment for mobility-limited residents
- Aquatics: Saltwater pool with warm water therapy for joint health, water aerobics classes
- Wellness programs: Fitness classes (yoga, tai chi, chair exercise), health screenings, nutrition counseling
- Mental health services: Counseling, psychiatry consultations, support groups for residents and families
- Rehabilitation services: Physical therapy, occupational therapy, speech therapy available on-site
Social Activities and Engagement
- Daily activities: Fitness classes, art classes, music programs, games and puzzles, movie screenings
- Cultural events: Guest performers, lectures by Bay Area experts, holiday celebrations, themed dinners
- Outings and travel: Museum visits, theater trips, local restaurant outings, seasonal excursions
- Spiritual services: Multi-faith chaplaincy, services for various religious traditions, pastoral care visits
- Volunteer opportunities: Community service projects, mentoring roles, intergenerational programs
Technology and Communication
- WiFi and internet: High-speed WiFi throughout community, in-room internet access
- Computer lab: Desktop computers, printing services, technology classes for residents
- Phone and video services: In-room phone service, video calling setup assistance, tech support
- Emergency communication: 24/7 emergency call system in apartments, wearable alert buttons for memory care residents
Residential Amenities
- Library: Extensive book collection, e-reader access, reading groups, author visits
- Art studios: Painting, drawing, sculpture studios with instruction available
- Music room: Piano, other instruments, music lessons, concert performances
- Game room: Billiards, cards, mahjong, and other games with social gatherings
- Outdoor spaces: Gardens, walking paths, seating areas, secure outdoor space for memory care residents
Staffing and Care Quality at San Francisco Towers
The quality of care at any senior living community depends on qualified, compassionate staff. San Francisco Towers maintains staffing ratios and training standards that exceed California regulatory minimums.
Staffing Levels and Ratios
| Staff Position | Number on Staff | Availability |
|---|---|---|
| Executive Director | 1 | Business hours and on-call |
| Health Services Director / RN | 1 | Business hours, on-call for emergencies |
| Care staff (Assisted Living) | 1 per 8 residents (day), 1 per 15 residents (night) | 24/7 coverage |
| Care staff (Memory Care) | 1 per 6 residents (day), 1 per 10 residents (night) | 24/7 coverage with awake night staff |
| Activities Director | 1.5 FTE | Weekdays and weekend programming |
| Kitchen staff | 5 FTE | Daily meal preparation |
| Housekeeping and maintenance | 6 FTE | Daily operations and 24/7 emergency repairs |
Staff Training and Certifications
San Francisco Towers exceeds California's regulatory training requirements:
- Memory care staff: Minimum 40 hours dementia-specific training annually (California requires 8 hours)
- All care staff: CPR and First Aid certification, quarterly competency training, annual infection control training
- Nurses: Licensed RN or LVN credentials, continuing education, specialization in geriatric care
- Activities staff: Training in age-appropriate programming, fall prevention, communication with residents with cognitive decline
How to Choose Between San Francisco Towers and Other San Francisco Senior Living Communities
San Francisco has several senior living options. Here's how San Francisco Towers compares on key factors families consider:
| Comparison Factor | San Francisco Towers | Other San Francisco Options |
|---|---|---|
| Continuing Care Model | All three care levels in one community—no moving required as needs change | Most communities specialize in one care level; transitions may require moving |
| Memory Care Expertise | Dedicated memory care unit with specialized staff (40+ hours training annually) | Varies widely; some communities lack memory care or have untrained staff |
| Location | Central San Francisco near UCSF, downtown restaurants, cultural venues | Some communities are in less accessible neighborhoods or suburbs |
| Amenities | Pool, fitness center, art studios, library, multiple dining options | Basic communities may lack specialized amenities |
| Staffing Ratios | 1:6–1:8 care staff per resident (above average) | California minimums: 1:15 day, 1:20 night |
The Transition Process: Moving to San Francisco Towers
Choosing a senior living community is an important decision. San Francisco Towers makes the transition process transparent and supportive.
Step 1: Initial Consultation and Assessment
Contact San Francisco Towers' admissions team to schedule a consultation. During this conversation, you'll discuss:
- Current health and functional abilities
- Care needs and preferences
- Budget and insurance/payment options
- Timeline for moving
- Questions about the community
Step 2: Community Tour and Information Session
Visit San Francisco Towers for a comprehensive tour including:
- Apartments in each care level
- Common areas (dining room, activity rooms, fitness center)
- Memory care unit (if applicable)
- Meeting with care coordinators and activity staff
- Sample meal in the dining room
Step 3: Financial and Healthcare Review
Review all costs and payment options with the admissions team:
- Monthly costs and what's included
- Additional service fees
- Payment plans and options
- Insurance and benefit verification
- Agreements and contract terms
Step 4: Medical and Social Assessment
San Francisco Towers performs a comprehensive assessment to develop a personalized care plan:
- Health history review with nurse
- Functional assessment (mobility, cognition, activities of daily living)
- Social and lifestyle preferences discussion
- Medication review and management planning
- Care plan development with family input
Step 5: Move-In and Orientation
San Francisco Towers supports the transition with:
- Flexible move-in dates and timing
- Orientation to community services and emergency procedures
- Introduction to care staff and community members
- Technology setup assistance (emergency call system, WiFi)
- Activity and meal service orientation
Frequently Asked Questions About San Francisco Towers
What is the difference between independent living and assisted living at San Francisco Towers?
Independent living is for active seniors who don't need help with daily activities. You manage your own schedule, prepare meals in your kitchen if you choose, and have full independence. You gain access to social activities, dining, and support services when needed.
Assisted living provides help with daily activities like bathing, dressing, and medication management. Staff are available 24/7 to assist with personal care, but you maintain control over daily choices and preferences.
Can my loved one move to memory care if they have assisted living now?
Yes. San Francisco Towers is a continuing care community, meaning residents can transition between care levels without changing communities. If someone in assisted living develops memory impairment requiring specialized memory care, they can move to the memory care unit within San Francisco Towers while keeping the same care team and community connections.
Does San Francisco Towers accept new residents with advanced dementia or complex medical needs?
San Francisco Towers evaluates each potential resident based on their individual needs and the community's capacity to provide appropriate care. Advanced dementia and complex medical conditions are often accommodated, but assessment is required. Contact the admissions team to discuss specific health conditions.
What happens if a resident's care needs exceed what San Francisco Towers can provide?
If a resident's medical needs become too complex for assisted living or memory care (for example, requiring 24-hour skilled nursing), San Francisco Towers works with families and physicians to transition to an appropriate facility such as a skilled nursing home. The community provides transition support and family coordination during this process.
How often can family members visit?
San Francisco Towers encourages family involvement. Visiting hours are flexible, with family members welcome during daytime and evening hours. Memory care residents may have visitation policies designed to support their specific needs and daily routines. Contact the community for specific guidelines.
Are pets allowed at San Francisco Towers?
Yes, San Francisco Towers is pet-friendly. Residents in independent living and assisted living can have pets, subject to community guidelines. Pets must be current on vaccinations and not pose health or safety risks. Pet care services are available for an additional fee if needed.
What is included in "hospitality services" at San Francisco Towers?
Hospitality services include housekeeping, laundry, maintenance, and concierge services. Weekly housekeeping keeps apartments clean, laundry service handles clothing and linens, maintenance staff respond to repair requests promptly, and concierge staff assist with reservations, information, and arranging services.
Does San Francisco Towers offer respite care or trial stays?
San Francisco Towers offers short-term respite care for individuals considering the community long-term. A respite stay typically lasts 1–4 weeks and allows potential residents to experience community life, try meals, and get a sense of the care and activities before committing to a permanent move. Contact admissions for availability and costs.
Making Your Decision: Is San Francisco Towers Right for You?
Choosing a senior living community is personal. Consider whether San Francisco Towers aligns with your:
- Care needs: Do you need independent living, assisted living, or memory care? Does continuing care model with all three levels appeal to you?
- Lifestyle preferences: Do you value social activities, cultural access, dining quality, and active engagement?
- Location: Is central San Francisco with access to UCSF and cultural venues important? Is the neighborhood suitable for your lifestyle?
- Budget: Are monthly costs within your budget range, considering insurance and assistance options?
- Care philosophy: Does San Francisco Towers' approach to person-centered care, staff training, and family involvement match your values?
The best way to understand if San Francisco Towers is right for you is to visit in person, meet the staff, and envision your daily life there. Schedule a tour with the admissions team today.
Contact San Francisco Towers
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San Francisco Towers welcomes inquiries from prospective residents and families. Our admissions team is available to answer questions, schedule tours, and discuss how we can meet your senior living needs.