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