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The 10 Best Home Care Agencies for Seniors in Bend, OR for 2024

Bend, Oregon, is a small city just west of the Cascade Mountains. The city has slightly over 100,000 residents; the senior community makes up 16.8% of the population, in line with the national average. Surrounded by recreational opportunities and nearby ski resort towns, the cost of living in Bend is relatively high. Housing costs significantly exceed average costs across the rest of the country. Home care costs are also expensive in Bend, with the 2021 Genworth Cost of Care Survey reporting that older adults pay an average of $6,435 per month. Note that home care costs are for personal care and do not include the costs of medical services. In terms of institutional medical services, Bend is home to St. Charles Medical Center, which is ranked regionally as the third-best hospital in Oregon and is highly rated in performing 16 adult procedures.

Below we’ve compiled a comprehensive directory of every home care provider in Bend– complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

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Home Care Agencies in Bend, OR

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Paying for Home Care in Bend, OR

The Cost of Home Care in Bend, OR

According to the 2021 Genworth Cost of Care Survey, monthly home care costs in Bend are higher than both the state and national averages. Portland, by far the largest city in the state of Oregon, has monthly home care costs that exceed those in Bend by about $700. However, two of the other larger population centers in western Oregon, Salem and Eugene, have lower home care costs than Bend. 

Bend

$6,435

Oregon

$6,006

The United States

$4,957

Portland

$7,146

Salem

$6,101

Eugene

$5,911

The Cost of Home Care vs. Other Senior Care Options in Bend, OR

Monthly home care costs in Bend are the same as those for home health care, which includes light medical services such as taking vital signs and administering medicine. The cost of assisted living care is nearly $1,600 less per month than the price of home care. Adult Day Care costs are also significantly cheaper, but typically require travel to a community center to participate. Skilled nursing care is the most expensive, costing roughly 65% more than home health care.

Home Care

$6,435

Home Health Care

$6,435

Adult Day Care

$1,842

Assisted Living

$4,835

Nursing Home Care (semiprivate room)

$10,038

Financial Assistance for Home Care in Bend, OR

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

  • Long-Term Care Insurance: Long-term care insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
  • Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
  • Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
  • Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
  • Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Bend Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Bend:

ResourceContactAddressService
Senior Property Tax Deferral(541) 388-6139951 SW Simpson Ave., Suite 100, Bend, OR 97702-3118Senior citizens who are 62 years and older can qualify to delay the tax on their residence. The Oregon Department of Revenue offers this program, but seniors must apply at the county assessor’s office. Qualified individuals can borrow money from the state to help pay their property taxes. Once they qualify, the Oregon Department of Revenue will pay their county property taxes on Nov. 15 of each year. Seniors who apply to this program must have owned and lived in their property for at least five years.
Meals on Wheels Program(541) 678-54831036 NE 5th St., Bend, OR 97701The Council on Aging of Central Oregon is a nonprofit organization offering many services to help seniors living in Central Oregon. The COA has a Meals on Wheels program that delivers food directly to seniors who are homebound or have difficulty shopping or cooking. The program aims to meet the social and nutritional needs of those who may be isolated. 
Home Weatherization Services(541) 548-23802303 SW 1st Street, Redmond, OR 97756NeighborImpact is a nonprofit organization that serves economically disadvantaged residents in Central Oregon. Their Home Weatherization Program, which is federally funded, offers free retrofit repair services, such as sealing leaky ducts and adding insulation, to make a home more energy efficient. The program prioritizes seniors and people with disabilities. All clients who receive weatherization assistance must attend a NeighborImpact Energy Education workshop that teaches energy conservation strategies.
Home Safety Assistance(541) 678-5483373 NE Greenwood Avenue, Bend, OR 97701The Council on Aging of Central Oregon provides home safety assistance to seniors to ensure their home is accessible and well-suited to their changing needs. The organization offers home modification services, such as installing ramps or grab bars, that will increase the safety and security of a senior’s home. The Council’s home repair programs help ensure the house is kept in good condition.
Energy Assistance Program(541) 548-23802303 SW 1st Street, Redmond, OR 97756Seniors who need help with their electric bill can apply for Oregon Energy Assistance Program assistance through the NeighborImpact organization. This program provides payment assistance for low-income families or individuals at risk of having their power shut off due to insufficient funds. Applicants may own or rent their home and must be within the program’s income guidelines to qualify.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for in-home care
Checklist for determining the need for in-home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs
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The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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