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Other Senior care options in Oregon:

Best Memory Care in Oregon

Reviewed by
Last updated
May 2026
We analyzed
472 homes in Oregon

Sources: CMS Centers for Medicare and Medicaid Services, and Oregon Department of Health, Office of Aging and Long Term Care.

Other Senior care options in Oregon:

Compare Memory Care around Oregon

The information below is reported by the Oregon Department of Human Services, Aging and People with Disabilities.

Click column headers to sort
St. Andrews Memory Care
MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

Portland (Montavilla)
85
Facility 85
OR AVG 67
Rank #91 / 351
No
75
Facility 75
OR AVG 55
Rank #120 / 476
Private Rooms
40
Facility 40
OR AVG 21
Rank #22 / 374
A+7
73
Facility 73
OR AVG 31
Rank #318 / 333
10.4
Facility 10.4
OR AVG 4.9
Rank #323 / 333
Mta Homes At St. Andrews LLCLauren Beard
Courtyard at Mount Tabor
IL

Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.

AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Portland (Southeast Portland)
80
Facility 80
OR AVG 67
Rank #106 / 351
Yes
68
Facility 68
OR AVG 55
Rank #173 / 476
Studio / 1 Bed / 2 Bed
34
Facility 34
OR AVG 21
Rank #46 / 374
A+5
21
Facility 21
OR AVG 31
Rank #117 / 333
4.2
Facility 4.2
OR AVG 4.9
Rank #136 / 333
Sssht Opco Se Division Street, LLCGelissa Crichton-Jean-Joseph
HOLI Senior Living
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

RC

Respite Care Short-term temporary care — days to weeks — to give family caregivers a break. Full care provided during the stay. Often used after hospitalization or to trial a facility before a permanent placement decision.

Hillsboro (Quatama Gardens)
90
Facility 90
OR AVG 67
Rank #75 / 351
Yes
45
Facility 45
OR AVG 55
Rank #317 / 476
Studio
5
Facility 5
OR AVG 21
Rank #325 / 374
A+4
47
Facility 47
OR AVG 31
Rank #271 / 333
11.8
Facility 11.8
OR AVG 4.9
Rank #328 / 333
Mcp Holi Senior Living, LLCTamera Alexander
Firwood Gardens
MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Portland (Hazelwood)
85
Facility 85
OR AVG 67
Rank #91 / 351
No
82
Facility 82
OR AVG 55
Rank #73 / 476
Studio / Suite
46
Facility 46
OR AVG 21
Rank #9 / 374
A+8
44
Facility 44
OR AVG 31
Rank #255 / 333
5.5
Facility 5.5
OR AVG 4.9
Rank #211 / 333
Sapphire At Firwood, LLCTatiana Misa
Table Rock
MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Medford
84
Facility 84
OR AVG 67
Rank #95 / 351
No
39
Facility 39
OR AVG 55
Rank #344 / 476
Private Suite / Companion Suite
14
Facility 14
OR AVG 21
Rank #260 / 374
A+6
50
Facility 50
OR AVG 31
Rank #286 / 333
8.3
Facility 8.3
OR AVG 4.9
Rank #306 / 333
Fern Gardens Memory Care, LLCReahna Cavalli
Prestige Senior Living Huntington Terrace
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

IL

Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Gresham (North Central)
75
Facility 75
OR AVG 67
Rank #124 / 351
Yes
76
Facility 76
OR AVG 55
Rank #110 / 476
Studio / 1 Bed
25
Facility 25
OR AVG 21
Rank #159 / 374
A+4
2
Facility 2
OR AVG 31
Rank #9 / 333
0.5
Facility 0.5
OR AVG 4.9
Rank #5 / 333
Chp-Gresham-Huntington Terrace Or Tenant CorpTerry Braun
Brookdale Beaverton
MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Beaverton (Five Oaks)
60
Facility 60
OR AVG 67
Rank #181 / 351
Yes
54
Facility 54
OR AVG 55
Rank #262 / 476
Private Rooms / Semi-Private Rooms
48
Facility 48
OR AVG 21
Rank #3 / 374
A+7
21
Facility 21
OR AVG 31
Rank #117 / 333
3.0
Facility 3.0
OR AVG 4.9
Rank #78 / 333
Brookdale Senior Living Communities, IncTera Vazquez
Quail Crest Memory Care
MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Eugene (Green Leaf Village)
80
Facility 80
OR AVG 67
Rank #106 / 351
Yes
49
Facility 49
OR AVG 55
Rank #292 / 476
Cottage
26
Facility 26
OR AVG 21
Rank #134 / 374
A+7
47
Facility 47
OR AVG 31
Rank #271 / 333
6.7
Facility 6.7
OR AVG 4.9
Rank #259 / 333
Quail Crest Holdings, LLCSandra Haskins
River Terrace Memory Care
MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Oregon City (South End)
54
Facility 54
OR AVG 67
Rank #212 / 351
No
10
Facility 10
OR AVG 55
Rank #443 / 476
Studio / 1 Bed
7
Facility 7
OR AVG 21
Rank #306 / 374
A+6
37
Facility 37
OR AVG 31
Rank #217 / 333
6.2
Facility 6.2
OR AVG 4.9
Rank #237 / 333
River Terrace Operations, LLCJeffrey Wellington
Brookdale Salem
MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

Salem (Morningside)
60
Facility 60
OR AVG 67
Rank #181 / 351
Yes
53
Facility 53
OR AVG 55
Rank #267 / 476
Suite
48
Facility 48
OR AVG 21
Rank #3 / 374
A+4
28
Facility 28
OR AVG 31
Rank #171 / 333
7.0
Facility 7.0
OR AVG 4.9
Rank #265 / 333
Brookdale Senior Living Communities, IncBethany Simkins
Brookstone Alzheimer’s Special Care Center
MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

RC

Respite Care Short-term temporary care — days to weeks — to give family caregivers a break. Full care provided during the stay. Often used after hospitalization or to trial a facility before a permanent placement decision.

Salem (South Gateway)
57
Facility 57
OR AVG 67
Rank #200 / 351
No
54
Facility 54
OR AVG 55
Rank #262 / 476
Private Studio / Shared Studio
29
Facility 29
OR AVG 21
Rank #95 / 374
A+6
16
Facility 16
OR AVG 31
Rank #81 / 333
2.7
Facility 2.7
OR AVG 4.9
Rank #63 / 333
Sh1 Brookstone Opco LLCBrandy Khlystov
The Springs at Greer Gardens
IL

Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.

AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Eugene
100
Facility 100
OR AVG 67
Rank #49 / 351
Yes
20
Facility 20
OR AVG 55
Rank #419 / 476
Studio / 1 Bed / 2 Bed
9
Facility 9
OR AVG 21
Rank #294 / 374
A+9
46
Facility 46
OR AVG 31
Rank #263 / 333
5.1
Facility 5.1
OR AVG 4.9
Rank #193 / 333
Hsre - Springs IV Trs, LLCFrances Whittle
Brookdale Bend
MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Bend (Mountain View)
59
Facility 59
OR AVG 67
Rank #193 / 351
Yes
63
Facility 63
OR AVG 55
Rank #200 / 476
Studio
48
Facility 48
OR AVG 21
Rank #3 / 374
A+7
20
Facility 20
OR AVG 31
Rank #112 / 333
2.9
Facility 2.9
OR AVG 4.9
Rank #76 / 333
Brookdale Senior Living Communities, Inc.Amei Pratt
Rosewood Memory Care
MCL

Memory Care Living

AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

RC

Respite Care Short-term temporary care — days to weeks — to give family caregivers a break. Full care provided during the stay. Often used after hospitalization or to trial a facility before a permanent placement decision.

Hillsboro (Reedville)
48
Facility 48
OR AVG 67
Rank #237 / 351
No
75
Facility 75
OR AVG 55
Rank #120 / 476
Private Rooms / Semi-Private Rooms
25
Facility 25
OR AVG 21
Rank #159 / 374
A+3
22
Facility 22
OR AVG 31
Rank #132 / 333
7.3
Facility 7.3
OR AVG 4.9
Rank #278 / 333
Cdr Hillsboro Trs LLCMiriam Maciel Ramirez
Monarch Gardens Memory Care
MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Brookings
55
Facility 55
OR AVG 67
Rank #208 / 351
No
12
Facility 12
OR AVG 55
Rank #433 / 476
Private / Semi-Private
26
Facility 26
OR AVG 21
Rank #134 / 374
A+6
29
Facility 29
OR AVG 31
Rank #172 / 333
4.8
Facility 4.8
OR AVG 4.9
Rank #169 / 333
Quail Crest Brookings 2, LLCKristine Smith
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Overview of Farmington Square Beaverton

Farmington Square Beaverton, located in Oregon, offers senior living solutions that go beyond addressing only the physical needs of residents. They prioritize the holistic well-being of individuals, ensuring they are not just physically healthy but also socially and emotionally supported. Placing a special emphasis on independence, recognizing its vital role in senior well-being, Farmington Square has earned commendation for its personalized care, particularly for memory care patients, making it an ideal community where comfort and safety are paramount.

In addition to being a pet-friendly community, the home provides features like individual room temperature controls and cable TV in common areas. With a full calendar of life-enhancing activities, routine apartment maintenance, and well-kept grounds, it goes above and beyond to create a supportive and vibrant environment for its residents.

Contact Farmington Square Beaverton

Overview of Hearthstone at Murrayhill

Hearthstone at Murrayhill, located in Beaverton, Oregon, is a trusted family-owned facility, providing a secure haven for independent living, assisted living, and memory care. This living environment is tailored to suit the preferences of seniors, offering an ideal setting for those seeking an independent and fulfilling retirement lifestyle. Residents can savor the goodness of life with avenues to relish meals, socialize, and engage in various activities within the community.

The facility boasts a range of living options, including studio, one-bedroom, and two-bedroom apartments, providing diverse choices for residents. With a close-knit community spirit, Hearthstone at Murray Hill ensures 24/7 caregiver availability and offers an array of floor plans to cater to individual preferences. The facility goes beyond the ordinary by providing transportation services, a full-time chaplain for spiritual programming and support, and a meticulously designed safety net embedded in all living spaces, prioritizing the safety and security of its residents. This makes Hearthstone at Murrayhill a standout choice for those seeking top-notch independent living facilities and senior apartments in the realm of senior living.

Contact Hearthstone at Murrayhill

Overview of Mt. Bachelor Memory Care

Mt. Bachelor Memory Care, situated in Bend, Oregon, caters to both assisted living and memory care needs, extending its services to the surrounding areas. This dynamic community offers a plethora of activities, encouraging residents to explore local attractions such as Central Oregon, Drake Park, Old Mill District, and Eagle Crest. Families visiting can enjoy their time, while residents engage in recreational activities amid vibrant surroundings.

The facility provides top-notch amenities, including a convenient beauty salon, religious services, and diverse dining options. Mt. Bachelor Memory Care prioritizes a memory care-friendly environment, ensuring that residents receive specialized services and live in facilities tailored to their unique needs. It stands as a reliable choice for those seeking memory care living facilities, specialized memory care services, and a supportive senior living community.

Contact Mt. Bachelor Memory Care

Overview of Evergreen Memory Care

Located in Eugene, Oregon, Evergreen Memory Care is a compassionate and person-centered community that offers support to individuals living with Alzheimer’s and other forms of dementia. Situated in a tranquil setting, Evergreen Memory Care is part of the Evergreen Senior Living Campus of Care, which includes Independent Cottages and Assisted Living options. 

With a team of dedicated nurses and Care Partners available 24 hours a day, residents receive individualized care and support in a warm and nurturing environment specifically designed to meet the unique needs of those with memory loss. The focus is on holistic Person-Centered Care, where assessments are conducted in collaboration with family members to empower residents, enhance their quality of life, preserve dignity, honor personal choice, promote independence, and foster overall well-being. Whether individuals are in the early stages of memory challenges or have been living with Alzheimer’s or dementia for an extended period, families can have peace of mind knowing that experienced and professional team members are providing comprehensive care around the clock. 

Contact Evergreen Memory Care

Overview of Merrill Gardens at Sheldon Park

Merrill Gardens at Sheldon Park is the ideal community for seniors seeking a comfortable small-town feel with all the conveniences they need close at hand. This warm and welcoming haven is tightly-knit, providing residents with an intimate and supportive environment that feels like home. In addition to assisted living and memory care options, they also provide a range of floor plans to suit every resident’s needs, including private studio units and suites, as well as one and two-bedroom units.

The community is conveniently located close to several popular establishments, such as the Oakway Golf Course, Nova Urgent Care, and the Peacehealth Medical Group in Eugene. Additionally, there are plenty of dining and shopping options nearby, ensuring that residents can easily access all the amenities they need. At Merrill Gardens at Sheldon Park, seniors can take advantage of a wide variety of creative and educational opportunities to keep them happy, healthy, and engaged. There are painting classes, pet therapy sessions, gardening clubs, exercise groups, and much more on offer to keep residents active and fulfilled.

Contact Merrill Gardens at Sheldon Park

Overview of Quail Crest Memory Care

Quail Crest Memory Care distinguishes itself as an exceptional destination for senior living in Eugene, Oregon. Established in 2000, this home offers a haven of tranquility and premier services for seniors. They prioritize specialized care for memory-impaired residents, providing memory care, respite care, and hospice services. 

The meticulously maintained outdoor spaces showcase lush greenery and vibrant blooms, creating a picturesque backdrop for residents to enjoy. Inside, the interiors boast an intriguing palette that adds a touch of intrigue and sophistication to the living environment. With five beautiful cottages dedicated to memory care, they ensure a nurturing and supportive environment for those in need. The community embraces a family-friendly atmosphere, fostering opportunities for entertainment and connection. Residents are welcomed into a vibrant lifestyle, where they can appreciate the elegant architecture and the inviting common areas that exude warmth and charm.

Contact Quail Crest Memory Care

Overview of Ascot Park Senior Living

Ascot Park Senior Living in Eugene, Oregon is more than just a place to live, it’s a place to build lasting relationships and create cherished memories with loved ones. This exceptional community offers assisted living, memory care, and respite care services, all to promote purpose and fulfillment in the lives of their residents. The accommodations are carefully designed to be comfortable and nurturing, and the common areas are perfect for unwinding and socializing with friends and family. Licensed nurses are always on hand to provide any necessary medical services, including medication management and consultation with a registered dietitian for healthy and delicious meals.

The community also features a 24-hour coffee bar and a full-service beauty salon. While it is a private pay community, the benefits and services they provide are truly priceless. For residents with memory care needs, they offer supervised outings and a serene environment complete with a cozy fireplace in the living room and secure landscaped courtyards. They also offer support groups and educational programs to promote independence and overall well-being.

Contact Ascot Park Senior Living

Overview of Maple Grove Memory Care

Cherish every moment with Maple Grove Memory Care (Formerly Pacific Gardens Alzheimer’s Special Care Center), a dedicated community in Portland, OR, focusing on memory care. A kind and specially trained team helps residents with their daily living activities and household responsibilities 24/7, ensuring a worry-free lifestyle. Utilizing exclusive memory care programs, the community strives to enhance the cognition of those with memory-related needs.

Residents are encouraged to live actively and remain socially engaged with a variety of stimulating recreational activities and exciting events for their enjoyment and wellness. Mealtimes also foster comfort while satisfying nutritional needs with delightful and healthy meals. With its beautifully manicured courtyards and inviting spaces, residents are guaranteed to live with purpose.

Contact Maple Grove Memory Care

Overview of St Anthony Village

Find all the care you need at St. Anthony Village, an outstanding community in Portland, OR, that offers assisted living, independent living, and memory care. Here, residents experience the highest quality of care tailored to their needs and preferences with a compassionate and highly skilled team available 24/7. Utilizing a holistic approach to care, the community ensures residents’ comfort and safety.

Residents are encouraged to live actively and meet new friends with a well-thought-out calendar of fun recreation and exciting social events. For a satisfactory dining experience, delicious and healthy meals are served to meet dietary needs and preferences. With its over two decades of accommodating older adults, the community ensures the finest retirement experience with dedicated care and specially designed amenities.

Contact St Anthony Village

Overview of River Terrace Memory Care

River Terrace Memory Care provides a serene and specialized community for individuals experiencing memory impairment, including dementia and Alzheimer’s. With a commitment to inclusivity and excellence, the community offers 32 well-appointed residences, comprising private rooms and semi-private rooms. Life enrichment takes center stage, providing residents with various stimulating activities and fostering a positive culture of development.

In addition to ensuring accessibility through Medicaid-funded services, River Terrace Memory Care is undergoing an expansion, marking a significant milestone in their dedication to senior care. Services include 24-hour emergency staff assistance, respite services, and three dietitian-approved meals per day. The community boasts cozy common areas, a salon with a licensed beautician, and more, contributing to a comprehensive and supportive environment. River Terrace Memory Care stands as a noteworthy option for those seeking memory care facilities and a dignified memory care senior living experience.

Contact River Terrace Memory Care

Weighting overview

  • 35%
    Resident Experience
  • 25%
    Regulatory
  • 15%
    Visual Media
  • 10%
    Website
  • 10%
    Stability
  • 5%
    Environment
01

Resident & Family Experience 35%

The single largest share of every ranking. Aggregated review sentiment and volume from major platforms — the closest signal to real resident experience.

  • Includes
  • Review Sentiment
  • Review Volume
02

Regulatory & Safety Record 25%

State inspection records, citations, and complaint visits. We weight per-inspection rates more heavily than raw counts.

  • Includes
  • State Inspections
  • Citations/Inspection
  • % Inspections w/ Citations
  • Complaint Visits
  • Accreditations
  • BBB Rating
03

Visual Media & Transparency 15%

Communities that publish high-quality visuals give families a real preview. No photos or tours = a negative transparency signal.

  • Includes
  • Video Tours
  • Virtual Walkthroughs
  • Photo Quantity
  • Photo Quality
04

Website & Operator Transparency 10%

Site quality and whether the operator publishes basic accountability information — staff names, contact details, ownership.

  • Includes
  • Website Content
  • Mobile Usability
  • Staff Info Available
  • Owner Info Available
05

Community Stability 10%

Operational signals indicating whether a community is well-run and meeting demand.

  • Includes
  • Occupancy Rate
  • Bed Options
06

Environment & Pricing 5%

Walkability and pricing transparency. Walk Score is weighted higher for Independent Living than for Memory Care, where most residents do not leave unaccompanied.

  • Includes
  • Walk Score
  • Pricing Transparency
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Frequently Asked Questions about Memory Care in Oregon

What's the difference between assisted living and memory care in Oregon?

Assisted living in Oregon supports residents with daily activities (bathing, dressing, medication management) while preserving independence. Memory care is a specialized form of assisted living for residents living with Alzheimer's or dementia, and adds 24/7 secured environments, dementia-trained staff, and structured routines designed to reduce confusion and wandering.

Does Oregon Medicaid cover memory care?

Oregon Medicaid does not directly pay room-and-board for memory care, but most states (including Oregon) offer Home and Community-Based Services (HCBS) waivers that can offset the cost of care services delivered inside a licensed community. Eligibility, waitlists, and covered services vary — check directly with the state Medicaid agency.

What is memory care?

Memory care is a specialized form of assisted living for residents living with Alzheimer's disease or other forms of dementia, with secured environments, dementia-trained staff, and routines built to reduce confusion and wandering.

How many memory care communities are listed on this page?

This page features 14 memory care communities in Oregon. Use the filters and comparison tools above to compare ratings, amenities, and pricing.

How do I choose the right memory care community in Oregon?

Start by matching the level of care offered to the resident's current and anticipated needs, then compare licensing status, staff-to-resident ratios, recent inspection results, and pricing. Tour at least two or three communities in Oregon, talk to current residents and families, and confirm what is included in the base rate versus billed as add-on services.

What should I look for when visiting memory care communities in Oregon?

Pay attention to staff interactions with residents, cleanliness and odor, food quality at meal times, the activity calendar, and how questions about pricing and care plans are answered. Ask to see the most recent state inspection report, the move-out / level-of-care-change policy, and a sample monthly bill that lists every fee.