Small home · Licensed for 6 · Carmichael

Harjit and Navgeet RCFE

5324 Nyoda Way, Carmichael, CA 95608Licensed since 2024

Overview

Estimated starting rate

$4,300 a month

Covelight estimate · likely $3,500–$5,300 See costs

No openings reported

Approved by the state: Wheelchair · Dementia · Hospice · BedriddenState licensing record · October 26, 2026
Ways to pay: Medi-Cal ALW acceptedDHCS participant list · October 1, 2026
Licensed for 6: a small care homeThe state license record

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Care and support

Wheelchairup to 6 residents
Dementia
Hospiceup to 6 residents
Bedriddenup to 1 resident

Approved by the state · State licensing record · October 26, 2026. An approval may cover specific rooms or residents; it does not establish an opening.

Read the state’s own wording

AGE RANGE 60 AND OVER. APPROVED FOR SIX(6) NON-AMBULATORY RESIDENTS OF WHICH ONE(1) MAY BE BEDRIDDEN IN BEDROOM #1. WAIVER/GRANTED FOR HOSPICE CARE FOR SIX(6).

983 - RCFE / DEMENTIA

CDSS record, verbatim · October 26, 2026

As needs change

Staying through hospice
Hospice waiver on file · covers up to 6 — care may continue at the end of life
State licensing record · October 26, 2026
If memory loss develops
Dementia-care designation on file
State licensing record · October 26, 2026

We’ll ask for you. Not on file for Harjit and Navgeet RCFE: two-person transfers or a lift, who is awake overnight and help with medicines. When we check availability, we ask about these too.

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What it costs here

Covelight estimate

$4,300a month to start

Likely $3,500–$5,300

From 11 nearby homes that publish rates · this home’s rate is not on file

Monthly cost breakdownWith a shared room and basic help · room, care and fees$4,300likely a month

Room

Daily care

Sharing the room

Starting monthly rate$4,300likely $3,500–$5,300
Covelight’s estimate starts from the rates 11 small homes and similar homes within 3 miles publish, then adjusts for this home’s size, state care approvals, Medi-Cal waiver participation, years licensed and the area’s prices. In testing, the likely range held the real rate for 6 in 10 homes. This home’s own rate is not on file.
Basic help with daily careUsually includedup to $600
Basic help is usually part of the starting rate. Homes that price care by level start around $600 a month (44 California homes publish a care-level range, seen in September 2026).
One-time move-in fee$2,500one time · likely $0–$4,000
Homes that list a one-time entry or community fee charge a median of $2,500 (133 California listings; middle half $1,000–$4,000). Many homes list none — ask.

Likely monthly totalLikely $3,500–$5,500: $4,300
First monthWith a one-time move-in fee · likely $4,150–$8,700: $6,800

How people payOn the Medi-Cal waiver list · private pay, SSI/SSP, veterans, insurance

MedicareDoes not pay for room and board in a care home. It can still cover hospice or home-health visits inside one.
Private payMost residents pay from savings, a home sale or family help. Ask for the rate and what it includes in writing.
Medi-Cal Assisted Living WaiverThis home appears on the DHCS participation list, October 1, 2026. Confirm eligibility and current participation with the program. The waiver pays for care services, not room and board. On the waiver, a resident on SSI/SSP pays the home $1,444.07 a month for room and board.
SSI/SSPCalifornia’s 2026 standard is $1,626.07 a month; $1,444.07 of it goes to the home and $182 stays with the resident. Whether this home accepts it is not on file — ask.
VeteransVA Aid & Attendance can add to a veteran’s or surviving spouse’s pension. Ask whether residents here have used it.
Long-term care insuranceMost policies pay for licensed care homes. Ask what paperwork the home provides for claims.

If the money runs out, what Medi-Cal covers

Rates at nearby homes11 nearby homes publish starting rates of $3,200 to $5,000

11 homes like this within 3 miles publish starting rates mostly between $3,350–$5,000.

Madison Square Senior Living IICarmichael · 0.8 mi · Small home
$4,000Listed on Seniorly · seen September 9, 2026
Cozy Home CareCarmichael · 1.1 mi · Small home
$5,000Listed on Seniorly · assisted living · seen September 9, 2026
Abundant Love and Care for the ElderlyCarmichael · 1.3 mi · Small home
$3,300Listed on A Place for Mom · seen September 9, 2026
Marylou's Home CareSacramento · 1.4 mi · Small home
$3,500Listed on Seniorly · assisted living shared bedroom · seen September 9, 2026
Norris Senior HomeSacramento · 1.5 mi · Small home
$5,000Listed on Seniorly · assisted living private room · seen September 9, 2026
Eastern ManorSacramento · 1.8 mi · Mid-size home
$3,800Listed on Seniorly · assisted living shared bedroom · seen September 9, 2026
Splendor Oaks Senior Living 1Carmichael · 1.9 mi · Small home
$3,500Listed on Seniorly · assisted living shared bedroom · seen September 9, 2026
Meraki of SacramentoSacramento · 2.0 mi · Mid-size home
$3,500Listed on Seniorly · seen September 9, 2026
Kentfield Estates Ranch RCFESacramento · 2.2 mi · Small home
$4,000Listed on Seniorly · seen September 9, 2026
Hollister Care HomeCarmichael · 2.2 mi · Small home
$4,500Listed on Seniorly · seen September 9, 2026
Sunny Beach VillaSacramento · 2.9 mi · Small home
$3,200Listed on A Place for Mom · seen September 9, 2026

How this estimate worksWithin 25% for 7 in 10 homes in testing

Covelight’s estimate starts from the rates 11 small homes and similar homes within 3 miles publish, then adjusts for this home’s size, state care approvals, Medi-Cal waiver participation, years licensed and the area’s prices. In testing, the likely range held the real rate for 6 in 10 homes. This home’s own rate is not on file.

Only prices a home put out itself count: its own website, a listing it supplied, or a price Seniorly says the home confirmed. Prices a listing site shows without saying where they came from are left out.
Nearby homes are the nearest of the same size that publish a rate, widening from 3 to 40 miles until at least 8 do. The estimate starts from what they charge, then adjusts for this home’s size, state care approvals, Medi-Cal waiver participation, years licensed and the area’s prices.
Room, care-level, second-person and move-in lines come from what California homes publish on listing sites. Memory care uses Covelight’s researched premium over assisted living.
Totals add each line’s figure and combine the lines’ ranges as separate charges, because a home is rarely at the top, or the bottom, of every line at once.
We tested this estimate on 1,546 California homes that publish their own starting rate. It was within 10% of the real rate for 3 in 10 homes and within 25% for 7 in 10; the likely range held the real rate for 6 in 10 (September 12, 2026).
It cannot see this home’s specials, how it assesses care, or which rooms are open.

Avoid surprises on the billWhat changes the price, and what to ask

The care level
Some homes charge one all-inclusive rate. Others add levels or points as needs grow. Ask how the level is set, who decides, and what the next level costs.
What is billed separately
Medication management, incontinence supplies, transportation and a second person in the room are often extra. Ask for the list in writing.
Move-in costs
A one-time move-in fee or deposit is common. Ask what it covers and whether any of it comes back if the stay is short.
Increases
California requires at least 90 days’ written notice, with reasons, before a rate rises (Health & Safety Code §1569.655). A change in the resident’s care level is the section’s own exception and can be billed sooner.

Ask for the price

An estimate for planning, not a quote. A home sets the price after hearing about the care needed.

Daily life

Daily life here is not on file yet. Most small homes haven’t published it, and that says nothing about the home.

The best way to see it is a visit.

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Where it is

5324 Nyoda Way, Carmichael, CA 95608Address from the public record · October 26, 2026. Confirm the entrance with the home before visiting.

Opening the neighborhood map…

Mercy San Juan Medical CenterHospital · General acute care, on the state’s list3 mi

Straight-line distances; check the drive or the walk. Hospital: the nearest general acute care hospital on the state’s list (CDPH, September 16, 2026).

Open directions

The state record

California inspects every licensed home and publishes what it found. A citation does not make a home unsafe, and an empty file does not make a home good.

CDSS public record, read October 26, 2026 · License #345920120 · See the state’s own record

The last 36 months — 4 of 4 documents

Complaint outcomes in these 36 months, in the state’s words: 1 “Unsubstantiated”.

20261 state visit · 1 document

Apr 8, 2026Facility evaluation reportRoutine visitReport on file

Type of visit: Required - 1 Year

Licensing Program Analyst (LPA) Melissa Parks arrived on Wednesday April 8, 2026, to conduct the unannounced annual inspection. During today's annual inspection, the Compliance and Regulatory Enforcement Tool was used. LPA reviewed resident (6) and staff (3) files. All resident files contained the required paperwork. All staff files contained the required paperwork and training. LPA and Administrator Navgeet toured the facility together to ensure the health and safety of residents in care. The following areas were inspected: resident bedrooms, bathrooms, kitchen, laundry room, staff room, backyard and garage. Facility had a fully stocked first aid kit. Water temperatures were within the required range. All required postings were observed. All chemicals and knives were kept locked and inaccessible to residents. Carbon monoxide detectors were observed. Fire extinguisher had a current inspection tag. LPA requested a copy of current liability insurance by 4/15/2026. Exit interview conducted. No deficiencies cited. A copy of this report was provided to the facility.the state’s words, verbatim · CDSS document, Apr 8, 2026

20252 state visits · 2 documents

Oct 15, 2025Complaint investigation reportUnsubstantiated

Allegation investigated: Facility is not following the admission agreement

Licensing Program Analyst (LPA) Melissa Parks arrived unannounced on Wednesday October 15, 2025, to deliver findings for a complaint regarding the above allegation. LPA met with Administrator Navgeet and explained the purpose of the visit. Throughout the course of the investigation, LPA interviewed staff regarding the allegation. LPA reviewed the Assisted Living Waiver Provider handbook, R1’s LIC602 and care plan. LPA learned that R1 is on the Assisted Living Waiver program. As part of R1’s activities of daily living, they require assistance with incontinence care. While the incontinence products are provided through R1’s insurance, the facility provides gloves and wipes. Previously, the Administrator picked up R1’s medications from the pharmacy and asked for reimbursement for R1’s copay. R1 has a payee which handles all of R1's finances. Based on information obtained during the investigation, LPA finds the allegation to be UNSUBSTANTIATED- a finding that the complaint is unsubstantiated means that although the allegation may have happened or is valid, there is not a preponderance of evidence to prove that the alleged violation occurred. Exit interview. A copy of this report was emailed to the Administrator. Unsubstantiatedthe state’s words, verbatim · CDSS document, Oct 15, 2025 · control 59-AS-20250924093636

Mar 12, 2025Facility evaluation reportRoutine visitReport on file

Type of visit: Required - 1 Year

*Amended* The report issued on 3/12/25 was input incorrectly by LPA. The Annual inspection is still pending for this facility.the state’s words, verbatim · CDSS document, Mar 12, 2025

20241 state visit · 1 document

May 2, 2024Facility evaluation reportPrelicensingReport on file

Type of visit: Prelicensing

Licensing Program Analyst (LPA) Angela Hood met with the Administrator, Navgeet Kaur, to conduct a Pre-licensing visit. Administrator has a current certificate #6057120740 with an expiration date of 9/13/2024. LPA conducted an inspection of the care home to ensure compliance with Title 22 regulations. There are five (5) bedrooms and two (2) bathrooms for resident use. LPA observed facility to be properly furnished, including appropriate bedding and lighting in bedrooms. Bathrooms were in sanitary condition and properly maintained. Hot water temperature was observed to be 108.7 degrees F. LPA checked the kitchen area for the ability to prepare and store food. LPA observed cleaning products and other toxins to be locked away. LPA observed the area used for medication to be locked and inaccessible to residents. LPA observed smoke detectors and carbon monoxide detectors at the care home to be operational. Fire extinguishers and first aid kit are maintained and ready for emergency use. LPA reviewed three (3) resident files and also reviewed three (3) staff files. Pre-licensing passed and LPA waived Component III. Applicant has satisfied all requirements in accordance to Title 22, California Code of Regulations. Application is pending and LPA will forward findings to the Centralized Application Bureau (CAB) for final review and approval. CAB will further contact applicant on final status of application. A copy of this report was provided to the facility. Exit interview conducted.the state’s words, verbatim · CDSS document, May 2, 2024

6 of 6 beds were occupied at the October 15, 2025 state visit — a count on that day, not an opening.

License holder

Harjit and Navgeet RCFE LLC, licensed since 2024.

Operates 2 licensed homes in California. Running more than one home is common and is neither good nor bad on its own.

Harjit and Navgeet RCFE II · Sacramento

The state’s totals for this licenseSince 2024, as the state’s facility page counts them

State visits on file: 4
Total complaints: 1
Substantiated allegations: 0
Type A citations: 0
Type B citations: 0

These are the state’s own totals for this license since 2024, per CDSS records. The state counts them apart from the documents above, and they can differ from what those documents show; the documents say what each visit found. One complaint can contain several allegations.

Compare with homes the same size

	This home	Typical
Type A citations	0	0
Type B citations	0	0
Substantiated allegations	0	0
Total complaints	1	0

“Typical” is the statewide median for licensed homes this size. It does not adjust for years licensed, and older licenses have had more visits and reports. The median is across the 6,916 licensed small board-and-care homes (6 or fewer beds) in the state record. The figures compared are the state’s totals, not the documents.

What the state’s words mean

Routine visita visit the state records as “Required” — a scheduled visit, not one made in answer to a complaintSubstantiatedthe state found the allegation more likely true than notUnsubstantiatedthere was not enough evidence to prove a violation occurred — not a finding of wrongdoingUnfoundedthe evidence showed the allegation was false, could not have happened, or had no reasonable basisType A citationa violation that poses an immediate risk to health, safety or personal rights if it is not correctedType B citationa violation that could become a risk if not corrected, or one involving records, resources or required services

CDSS citation definitions (PDF) ↗ · CDSS complaint outcomes ↗

An “unsubstantiated” complaint is not a finding of wrongdoing — it means the state investigated and could not confirm the allegation. Outcome words are the state’s own; we never grade, score, or color a record, and we publish no reviews — the state’s dated documents stand in their place.

Open CDSS facility search ↗Report a record error Operate this home? Respond or correct, free →

Frequently asked questions

A citation does not make a home unsafe, and an empty file does not make a home good.

Quick answers about Harjit and Navgeet RCFE

Is Harjit and Navgeet RCFE licensed?

The state lists this license as “Licensed,” per CDSS records as of October 26, 2026.

How many residents is Harjit and Navgeet RCFE licensed for?

6 residents — a small home, per CDSS records as of October 26, 2026.

Has Harjit and Navgeet RCFE been cited?

0 Type A and 0 Type B citations since 2024, per CDSS records as of October 26, 2026. Those records count 4 state visits over the same years.

Is Harjit and Navgeet RCFE still open?

This license was on the CDSS roster as of November 11, 2026.

What does Harjit and Navgeet RCFE cost?

$4,300 a month to start is a Covelight estimate, likely $3,500–$5,300. This home’s own rate is not on file. Ask: “What is the all-in monthly rate, and what would push it higher?”

Among 5 other homes of a similar licensed size in Carmichael that publish a starting rate, the middle half runs $3,450 to $4,625 a month, and the middle figure is $4,000 (n = 5 other homes publishing a starting rate).

Each of those is a home’s own published figure, gathered on its own date in September 2026 — not an average of ours, and not a survey. Similar size means small and mid-size homes counted together, and large communities counted on their own, because they are different markets.

A home outside the band is not overcharging or underpricing: a starting rate covers different things in different homes, which is the first thing to ask about.

The price is made in the phone call. Nothing here is a quote, an offer or a discount.

A starting rate is the room and the base care. California homes commonly bill care levels, medication management, supplies, transport and a second person in the room as extras. Many also charge a one-time fee at move-in. Ask for that list in writing before anything is signed.

Only prices a home put out itself count here: its own website, a listing it supplied, or a price a listing site says the home confirmed. Prices a site shows without saying where they came from are left out. What Medi-Cal’s Assisted Living Waiver covers in a care home.

Does Harjit and Navgeet RCFE take Medi-Cal?

On Medi-Cal’s Assisted Living Waiver: this home appears on the DHCS participation list, October 1, 2026. Confirm eligibility and current participation with the program. The waiver pays for care services, not room and board.

Who holds the license?

The license is held by Harjit and Navgeet RCFE LLC, per CDSS records as of October 26, 2026. See the homes licensed to Harjit and Navgeet RCFE LLC — at least 2 on the state roster.

Is there a hospital nearby?

Mercy San Juan Medical Center is 3 miles away in a straight line, per the CDPH licensed-hospital list dated September 16, 2026. See licensed care homes near it.

Can Harjit and Navgeet RCFE keep a resident on hospice?

Hospice care is approved on this license, covering up to 6 residents, per CDSS records as of October 26, 2026.