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Paying for care

Cost is the question almost every family asks first, and the one most agencies avoid answering. Here is how in-home care actually gets paid for in Oregon.

WHAT IT COSTS
no surprises at the table

How the cost is worked out

At Wayfinder, the cost of care is based on each client's unique needs and the level of support required. We start with a free, in-person assessment to understand those needs and create a personalized care plan. From there we can provide a clear estimate of the care and the associated costs, so families know what to expect before making any decisions.

$0
The in-home assessment is free, whether or not you go ahead
In writing
A clear estimate before you decide anything
No contract
Nothing to sign at the kitchen table
WAYS TO PAY
more doors than most families expect

Five ways families pay

Most families rely on the one option they qualify for that best meets their needs, based on the level of care required and the amount of support needed.

Private pay

Many families pay directly, often starting with a few hours a week and scaling as needs change. Care On-The-Go exists for exactly this, with no assessment and no weekly minimum.

Medicaid

Oregon Medicaid can cover in-home care for those who qualify financially and clinically. Eligibility is worth checking even when families assume they earn too much.

Veterans benefits

Veterans and surviving spouses may qualify for Aid and Attendance, which can contribute meaningfully toward in-home care. Wayfinder accepts VA benefits.

PACE

The Program of All-Inclusive Care for the Elderly coordinates and funds care for people who would otherwise need nursing home level support but want to remain at home. Wayfinder works with PACE.

Long-term care insurance

If a policy was bought years ago it may well cover in-home care today. Most families we meet have either forgotten the policy exists or assume it only pays for a facility. Dig it out.

THE HONEST ANSWER
a real number, in writing

What we will tell you

Care is customized, so there is no honest single price to publish. Any agency that quotes you an hourly rate before meeting the person needing care is guessing.

What we can do is sit down at the kitchen table, work out what is actually needed, and tell you plainly what it would cost and which of the sources above you are likely to qualify for. That assessment is free, and it commits you to nothing.

A Wayfinder Care Navigator talking through costs with a family at home
Find Your Way Home.

Still weighing the options?

A free in-home assessment is the fastest way to get a straight answer about what care would actually cost and cover.

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