The 10 Best In Home Care Service in Talent, OR for 2023
Talent is a small town 30 miles north of the California border in southern Oregon’s idyllic Jackson County. Approximately 22.7% of Talent’s population of slightly under 6,300 residents is aged 65 and over, resulting in plenty of activities and resources for seniors. The average monthly cost of home care in Talent is $6,101, according to the 2021 Genworth Cost of Care Survey, which is significantly higher than the national average of $4,957. However, Talent residents only pay slightly more for home care than the Oregon average of $6,006 per month. Although Talent itself doesn’t have a hospital, Talent residents have access to modern hospital facilities in nearby Ashland at Asante Ashland Community Hospital.
Below we’ve compiled a comprehensive directory of every home care provider in the Talent area – 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.
Directory of Home Care Services in Talent, OR
Right at Home Southern Oregon
749 Golf View Drive, Suite B, Medford, OR, 97504
Home Instead – Medford, OR
81 Freeman Ct, Suite 100, Medford, OR, 97504
Good Life at Home Care – Medford, OR
1744 E McAndrewsSuite I, Medford, OR, 97504
Advanced Care Life Services of Medford, OR
2821 Bullock Road , Medford, OR, 97504
Aspire Caregiving of Oregon
825 E. Main St. , Suite D, Medford, OR, 97504
Addus HomeCare
1240 North Riverside Avenue,, Medford, OR, 97501
Interim HealthCare of Medford, OR
2368 Crater Lake Ave., Medford, OR, 97504
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Paying for Home Care in Talent, OR
The Cost of Home Care in Talent, OR
According to the 2021 Genworth Cost of Care Survey, seniors in Talent pay an average of $6,101 per month for home care costs. Although this is only $95 higher than Oregon’s monthly average of $6,006, it’s $1,144 higher than the national average of $4,957. Costs of in-home care in Oregon range from a high of $7,146 in the Portland Metro Area to a low of $5,482 in Grants Pass. In Oregon’s second-largest city, Eugene, the average monthly in-home care cost is $5,911, while its counterpart in Ben has a monthly average of $6,435.
The Cost of Home Care vs Other Senior Care Options in Talent, OR
Senior care options for Talent residents other than home care include several options. Adult day health care is the most affordable at $1,408 per month, and a semiprivate room in a nursing home is at the other end of the cost spectrum at a monthly average of $10,190. Home care and home health care both average $6,101 per month in Talent.
Note: Data for Talent was unavailable, so data for the nearest city, Medford, was used instead.
Financial Assistance for Home Care in Talent, 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.
Free & Low-Cost Home Care Resources in Talent, OR
The following resources are designed to help seniors find free and low-cost community-based resources in Talent and the surrounding areas, including resources for connecting with other seniors, accessing veterans benefits and exploring options for long-term care.
Resource
Contact
Service
(541) 618-7572
Toll-Free:
(855) 673-2372
As the Area Agency on Aging for Jackson and Josephine Counties, the Age and Disability Resource Connection of Rogue Valley provides a number of direct and indirect services related to aging. Talent seniors and their families seeking information about available resources can contact the Age and Disability Resource Connection of Rogue Valley to speak with a senior resource specialist. Direct services include pain and disease management workshops, long-term care options and health insurance counseling and implementation of the federal Senior Nutrition Program. Indirect services include referrals to local, state and federal programs and services designed to promote a good quality of life among older adults and help them retain their independence.
(541) 488-5342
Seniors in the Talent area can join their peers for congregate meals, grow some of their own herbs and vegetables in a community garden, check out reading material from the lending library and participate in reading, discussion and special interest groups at Ashland Senior Center. Those who are interested in expanding their technology skills can join specialized workshops. Other activities include Friday movies and line dancing. Seniors can stay informed on activities and events by subscribing to the center's monthly newsletter. Free transportation to and from the center is available to those aged 62 and over.
(541) 774-8200
Those who have served in the U.S. Armed Forces and their families can get help applying for state and federal service-based benefits from Jackson County Veterans Services. Those who have been denied benefits and wish to file an appeal can also get assistance with that process from this agency.
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 – oftentimes 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.
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.
Frequently Asked Questions
What’s the difference between in-home care and home health care?
Although they sound similar, significant differences exist between in-home care and home health care. In-home care involves assistance with the activities of daily life, such as help getting dressed, basic grooming and bathing. In-home care workers may also perform light housekeeping, laundry, grocery shopping, errands and meal preparation. Home health care, on the other hand, refers to clinical services typically performed by licensed health care professionals.
How do you pay for senior care at home?
Many seniors pay for in-home care using private funds, and low-income seniors aged 65 and over may be able to receive assistance through Oregon’s version of Medicaid: the Oregon Health Plan. Eligible seniors who choose to age in place may also be able to get help paying for assistive technology such as emergency call systems from Oregon’s Independent Choices program. Other options for paying for senior care include long-term health insurance, veterans benefits and reverse mortgages.
What is in-home respite care?
In-home respite care is designed to provide unpaid family caregivers with temporary relief so that they can care for their own personal needs. Talent residents can explore this option by contacting the Age and Disability Resource Connection of Rogue Valley.
Assisted living homes vs. home care: how to decide?
There is no one-size-fits-all answer to this question. Assisted living communities often have amenities and services that may be difficult for some seniors to otherwise access, but others may prefer the comforts of their own home over living anywhere else. For budget-conscious seniors, assisted living is nearly $1,500 less per month in Talent than in-home care,
What is private pay home care?
Private pay home care simply means that the costs of services are paid for by the individual who receives them rather than using insurance or public benefits. This is actually the most widely used payment option for in-home care services.