What is a Life Plan Community?

Continuing Care Retirement Community (CCRC)

Eskaton Village Carmichael is a Life Plan Community (CCRC) where active seniors find their perfect match: a dynamic community rich with connections, resort-style living without the upkeep, and comprehensive care that grows with your needs. It’s independent living, elevated.

With two membership options available, our Residential Living Advisors can help you select the one best for you.

A woman wearing a white shirt and apron smiles while tending to colorful flowers in a sunny, vibrant garden at a Life Plan Community. Trees and more plants are visible in the background.

Why Choose a Life Plan Community?

Also known as Continuing Care Retirement Communities (CCRC), Life Plan Communities are an ideal long-term option for older adults looking to establish a lasting home. If you enjoy an independent lifestyle but want to secure priority access to higher levels of healthcare services, such as Assisted Living and Memory Care, as your needs evolve, this is the perfect choice for you. 

Contract Types

Availability of contract type differs by unit.

Traditional 5-year Amortized

This plan offers a lower initial investment and more flexibility for those seeking value and shorter-term residency.

  • These units are owned by Eskaton, and this plan is only available on units in Eskaton’s inventory.
  • Entry fees are approximately 40% lower than those in the 90% Repayable Agreement.
  • Your original investment amortizes at a rate of 20% per year over five years.
  • If you decide to leave during the amortization period, you may receive a portion of your original investment back, depending on how long you’ve lived in the community. After five years, there is no return of investment.
  • The Traditional Amortized Plan does not guarantee Right of Access to higher levels of care but does provide convenient access when space is available.

90% Repayable Agreement

This contract is ideal for those looking to preserve equity and maximize financial return.

  • Memberships are owned by current residents and tied to a specific cottage or apartment.
  • You pay the full cost of entry plus a monthly fee.
  • If you choose to move out, your membership is listed for resale. You continue to pay monthly fees until the membership is transferred to a new buyer.
  • Upon resale, you receive 90% of your original investment and 50% of any appreciation.
  • As part of this plan, you are guaranteed Right of Access to higher levels of care within Eskaton Village Carmichael, including assisted living, memory care, skilled nursing, and rehabilitation services.
Bright indoor swimming pool with clear blue water, metal handrails, and large windows letting in natural light. Enjoy views of the outdoor seating and greenery—just one of many amenities offered in this inviting Life Plan Community.

Enjoy our heated indoor pool year-round or take a dip in the Jacuzzi

An older man wearing a cap and dark clothes throws a bocce ball on an outdoor court at a vibrant senior living community, while two people stand nearby watching on a sunny day.

There are two bocce ball courts for casual games or to prepare for the next tournament

Aerial view of a Life Plan Community garden with raised beds, pathways, people walking, trees, a small shed, and a white gazebo surrounded by flowerbeds on a well-manicured lawn.

Green thumbs are welcome in the community garden

Bright art studio in a Life Plan Community with large windows, teal chairs around a white table covered in colorful artworks, shelves with supplies on the right, and a clock above a tiled backsplash at the back. Greenery visible outside.

Our thriving community of artists enjoys a light-filled art studio to work from

Two older men stand smiling in a woodworking shop within a Life Plan Community. One holds wooden boards and pencils, while the other stands beside him. Both wear aprons, surrounded by shelves, planks, and woodworking tools.

Take up wood-working in the Wood Shop

A cozy library room in a Life Plan Community with a fireplace, a large clock above the mantel, bookshelves filled with books, several armchairs, a wooden desk stacked with books, and soft lighting from a chandelier and skylight.

Our Library Committee keeps the reading selection interesting

Benefits of Membership

Regardless of contract type, all members at Eskaton Village Carmichael enjoy:

Complete Campus Access
Enjoy the full range of amenities, including bocce courts and tournaments, a putting green, an art studio, a craft room, gardening spaces, and beautifully landscaped outdoor living areas. Relax in our peaceful Rose Garden or swim year-round in our heated indoor pool.

Diverse Culinary Experiences
Dine your way—from casual café settings to elegant restaurant-style meals and cozy lounges. Every venue features fresh, seasonal, and chef-inspired cuisine.

Carefree Living
Say goodbye to home maintenance and hello to more time. Our team handles the details so you can focus on doing what brings you joy.

Future Care Assurance
For 90% Repayable Agreement members, Right of Access ensures priority entry into higher levels of care if your needs change. For all other members, access to these services is based on availability.

Financial Flexibility
Select a contract type that aligns with your lifestyle, goals, and financial preferences. Whether you value maximum equity return or lower upfront costs, we offer options tailored to you.

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A modern, well-lit lounge perfect for Short-Term Stays, featuring a fireplace with decorative pieces on the mantel, armchairs, a sofa, dining table, and large windows overlooking lush greenery.

Discover Eskaton Village Carmichael

Sacramento County's Only Life Plan Community

Eskaton Village Carmichael (often referred to as a “cruise ship on land”) is a picturesque 37-acre Life Plan Community located just outside Sacramento. With over 22 residential options, there’s a floor plan to meet every need.

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