The Best Home Care Agencies for Seniors in Medford, OR for 2025

Medford seniors pay an average of $6,101 per month for home care according to the 2021 Genworth Cost of Care Survey, which is over $1,500 higher than the national average of $4,957 but only several dollars higher than the statewide average of $6,006. The highest costs are found at the northern end of the state in Portland, while their counterparts in the Southern Oregon community of Grants Pass pay the least. Bend residents pay $6,435 on the eastern side of the Cascade Range, while Eugene residents pay a monthly average of $5,911. 

Nursing home care, which is for those who need access to clinical services 24 hours per day, is the least affordable senior care option in Medford at $10,190 for a semiprivate room. Assisted living averages $4,640 in Medford, while adult day health care costs an average of $1,408. Home health care costs mirror those of home care, but the two services are not the same despite having similar costs and titles. Home health care services provide clients with light clinical services performed in the home such as certain types of skilled nursing and physical therapy. 

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.