Oregon is a state that’s known for its diverse landscapes. The state is bordered by the Pacific Ocean and boasts plenty of lush forests, tall mountains and sparkling lakes. It’s no wonder so many older adults choose to spend their retirement years in Oregon — nearly 20% of its population is aged 65 and older. Seniors living in the area have access to plenty of senior-friendly activities such as the Oregon Zoo and Portland’s eclectic shopping districts, as well as resources such as senior centers and social programs that are scattered throughout the state. In Oregon, seniors who require in-home care services pay an average of $5,148 per month, which is $858 more than the national average.

The guide that follows provides detailed information regarding the cost of senior care in Oregon, as well as financial assistance options that are available to help seniors pay for in-home care.

The Cost of In-Home Care in Oregon

In-Home Care Costs in Nearby States

The Genworth 2019 Cost of Care Survey indicates that the average cost of in-home care in Oregon is $5,148 per month; this is considerably higher than in nearby states Nevada and Idaho, which have average in-home care costs of $4,290 and $4,195 per month, respectively. In other surrounding states, the cost of in-home care is slightly higher. California’s average cost is a little less than $200 more than in Oregon at $5,335 per month, while in Washington, seniors pay an average of $5,720 per month for in-home care.

$5148

Oregon

$4290

United States Average

$5335

California

$4290

Nevada

$5720

Washington

$4195

Idaho

Cost of Other Types of Care in Oregon

When compared with other types of long-term senior care in Oregon, in-home care is priced moderately. While adult day care costs quite a bit less at an average of $2,167 per month, assisted living is priced a lot closer to in-home care at $4,499 per month. Seniors who require more intensive health care in their homes can expect to pay a little more, as home health care averages $5,339 per month in Oregon, while those who need full-time nursing home care typically pay an average of $10,342 per month, which is more than double the cost of in-home care.

$5148

In-Home Care

$5339

Home Health Care

$2167

Adult Day Care

$4499

Assisted Living Facility

$10342

Nursing Home Care

The Cost of In-Home Care in Oregon’s Top Cities

Within the state, the cost of in-home care tends to vary. The least expensive in-home care costs can be found in Grants Pass, where average in-home care costs are $4,671 per month. Medford and Eugene are priced slightly higher at $4,957 and $5,005 per month. Salem’s price is mid-range at $5,234 per month, while in the Portland and Bend area, seniors can expect to pay out a bit more for in-home care — average costs in these cities are $5,590 and $5,625 per month.

$5590

Portland Area

$5234

Salem

$5625

Bend Area

$5005

Eugene

$4957

Medford

$4671

Grants Pass

Financial Assistance for In-Home Care in Oregon

Community First Choice Medicaid Program

The Community First Choice (CFC) plan is part of Oregon’s Medicaid program. Also known as the Oregon K Plan, it helps elderly and disabled persons access long-term care in their own home homes or other community-based settings. This program covers the cost of services such as personal care, light housekeeping, errand assistance, community transportation, medical equipment and home modifications. Seniors who require nursing home care can also seek assistance under this plan.

Who Is Eligible?
To qualify for Oregon’s CFC plan, seniors must be at least 65 years of age and meet the program’s financial requirements. As of 2020, these requirements state that a single applicant may not earn more than $2,349 per month while married couples in which both persons are applying may not exceed $3,525 per month. Additionally, applicants should require an institutional level of care. Seniors who apply for the program will need to undergo a functional assessment and are re-evaluated annually.

How to Apply
Seniors should contact their local Seniors & People with Physical Disabilities office to apply for the CFC plan.

Independent Choices Program

Oregon’ Medicaid’s Independent Choices Program provides a cash benefit to seniors and disabled persons who are able to direct their own in-home care services. The program allows them to hire, train and supervise their own caregivers and they may choose to hire a friend, family member or spouse to provide their care. Cash payments provided by the Independent Choices Program can be used toward personal care and assistive technology, including appliances that enable the beneficiary to live independently.

Who Is Eligible?
To qualify for this program, applicants must be 18 years of age or older and functionally disabled to the point they require a nursing level of care. Additionally, they must be capable of directing their own care, able to prove that they reside in a stable environment and able to effectively manage their finances. Financially, single applicants are limited to a monthly income of $2,349 and $2,000 in countable assets.

How to Apply
Seniors who wish to apply for the Independent Choices Program can contact the Oregon Department of Human Services by phone at (800) 282-8096.

Client-Employed Provider Program

The Client-Employed Provider (CEP) Program operates similarly to the Independent Choices Program. Under the CEP, seniors may direct their own care, choosing their own caregivers to provide in-home care on a part-time, full-time or 24-hour basis. These caregivers provide assistance with tasks such as dressing, eating, grooming, errands and housekeeping. Just as with the Independent Choices Program, seniors are permitted to make their own choices about who provides their care; however, in the CEP a case manager manages payment and provides assistance with hiring, training and supervising caregivers.

Who is Eligible?
Participants must be capable of managing their own care or have an authorized family member who can do so on their behalf. They also must require assistance with activities of daily living. Financially, single applicants’ income may not exceed $2,349 per month and their total countable assets may not exceed $2,000.

How to Apply
Seniors should contact their local Seniors & People with Physical Disabilities office to apply for the CFP Program.

Oregon Project Independence

Oregon Project Independence is a state-administered assistance program for individuals who’ve been diagnosed with Alzheimer’s disease or other forms of dementia. It provides in-home care and supervision for participants while allowing for limited consumer direction. Services that may be provided under this program include case management, personal care, skilled nursing, meal delivery and transportation assistance. While seniors may hire relatives or friends to provide care as long as they’re qualified, spouses are not eligible to serve as caregivers under this program.

Who Is Eligible?
Oregon Project Independence is open to seniors aged 60 and older who’ve been diagnosed with Alzheimer’s Disease or a related form of dementia, including Multiple Sclerosis. Applicants must be a resident of Oregon and require a nursing level of care while living in their own home. Additionally, applicants may not be eligible for Oregon Medicaid or any of its waivers.

How to Apply
Seniors can apply for the Oregon Project Independence program by contacting their nearest Area Agency on Aging.

Program for All-Inclusive Care for the Elderly

The Program for All-Inclusive Care for the Elderly (PACE) offers managed care to seniors throughout the state. PACE is a Medicare program that’s available as a Medicaid service option. Participants receive all health care services from a PACE interdisciplinary team, which may include a primary care physician, registered nurses, social workers and licensed therapists. Seniors who require in-home care also receive their services as part of the PACE program.

Who Is Eligible?
PACE is open to seniors aged 55 and older who are capable of living safely in their community. There are no financial requirements, as the cost of this program is determined by a sliding scale. Those who are eligible for Medicaid may participate in PACE at no cost while those who aren’t eligible for Medicaid or Medicare may be required to pay for their care privately. Also, participants must reside in one of the PACE service areas in Oregon, which include Multnomah, Washington, Clackamas, Clatsop and Tillamook counties.

How to Apply
Seniors who wish to enroll in PACE can contact (844) 224-7223.

More Ways to Pay for In-Home Care

While the above programs help many people finance in-home care, they will not cover all costs for everyone. There are other ways to pay for in-home care, including out-of-pocket arrangements with siblings, annuities, reverse mortgages and private insurance. Read Caring.com’s Guide to In-Home Care Costs to learn more about these alternative payment options.

Free and Low-Cost In-Home Care Resources in Oregon

Oregon has many free and low-cost resources available for seniors who require in-home care. These services include case management, respite care, nutritional assistance and home modifications.

ContactServices Provided
Department of Human Services Abuse Reporting(855) 503-7233Seniors or their loved ones can contact the Department of Human Services to report neglect or abuse.
Meals on Wheels(503) 736-6322Seniors in need can contact Meals On Wheels to receive free hot meals delivered to their home.
Oregon Association of Home Care(503) 364-2733This organization provides resources such as caregiver education and home care tools to seniors and their caregivers.
Aging and Disability Resource Connection of Oregon(855) 673-2732The ADRC connects seniors with information and services including transportation and meal assistance, case management and benefits counseling.
Senior Health Insurance Benefits Assistance(800) 722-4134SHIBA helps seniors across Oregon understand their Medicare, Medicaid and private insurance plans and provides assistance with claims and appeals.

In-Home Care Laws and Regulations in Oregon

Throughout Oregon, home care providers are regulated by the Oregon Health Authority. This organization oversees the licensing of all in-home care agencies and conducts regular compliance checks. The table below provides an overview of the rules and regulations that in-home care agencies in Oregon are required to follow.

Scope of CareIn-home care agencies may provide assistance with personal care services such as bathing, grooming, mobility, feeding and medication reminding.
Care Plan RequirementsIn-home care agencies in Oregon are required to provide clients with a detailed schedule of care entailing the services they are to receive and who will be providing them.
Medication Management RequirementsCare aides may provide medication reminders but are not permitted to administer medication unless they’ve undergone an Oregon In-Home Care Agency Medication Training program.
Staff Screening RequirementsAll employees and volunteers who work with in-home care agencies must submit to a criminal records check.
Staff Training RequirementsAll staff must be provided with a comprehensive orientation and in-house training, as well as a competency evaluation, prior to providing care.
Medicaid CoverageThere are three Medicaid programs in Oregon that help seniors pay for long-term care: the Community First Choice program, the Independent Choices Program and the Client-Employed Provider Program.
Reporting AbuseAbuse can be reported to the Department of Human Services.

Frequently Asked Questions

Are there financial assistance programs for in-home care in Oregon?

Yes. Oregon has a plethora of financial assistance programs, including Medicaid‘s Community First Choice, Independent Choices and Client-Employed Provider programs, Oregon Project Independence and the Oregon PACE program.

Are there transportation assistance programs in Oregon?

The Aging and Disability Resource Center of Oregon connects seniors with transportation services such as subsidized or free public transportation, group vans, dial-a-ride services and door-to-door taxi service.

How much does in-home care cost in Oregon?

The average cost of in-home care in Oregon is $5,148 per month, according to the Genworth 2019 Cost of Care Survey.

What types of services does a home care aide provide?

Home care aides help with activities of daily living such as grooming, bathing, dressing and toileting. They also provide companionship and in some cases, assistance with light housekeeping duties, errands and meal preparation.

What does it mean to age in place?

Aging in place is a term that’s when a senior continues to live at home for as long as they’re able to, often with the help of supports such as in-home care.

Home Care Services in Oregon (137)