Other senior care options in Oregon:

Best Nursing Homes in Oregon

Why trust this guide? Our editorial team analyzed 86 nursing homes in Oregon using Centers for Medicare & Medicaid Services (CMS) data, inspection records, complaints, amenities, and facility-level details. How we rank nursing homes in OR
Reviewed by
Last updated
Jun 2026
We analyzed
86 homes
Other senior care options in Oregon:
Avg Overall CMS Rating: 3.0/ 5The average Overall CMS Rating for all CMS-certified nursing homes in Oregon. Ratings combine health inspections, staffing, and quality measures, with inspections weighted most. Individual facilities can vary widely from this average.
National Average: 3.2/ 5
Avg Staffing Rating: 3.7/ 5The average Staffing Rating across all CMS-certified nursing homes in Oregon. Reflects nursing staff hours per resident per day (including RNs), adjusted for residents' care needs. Individual facilities can vary widely from this average.
National Average: 3.4/ 5
Avg Health Insp. Rating: 2.8/ 5The average Health Inspection Rating across all CMS-certified nursing homes in Oregon. Based on each facility's recent inspections and complaint investigations, weighing the number, scope, and severity of deficiencies. Individual facilities can vary widely from this average.
National Average: 3.0/ 5

Compare Nursing Homes around Oregon

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

59 facilities compared · CMS & OR Dept. of Health data

Avamere Rehabilitation of Beaverton
NH
AL
IL
MC
Beaverton (Vose)
104
Facility 104
OR AVG 67
Rank #45 / 351
73.0%
Facility 73.0%
OR AVG 65.7%
Rank #28 / 95
+11%
5.21
Facility 5.21
OR AVG 5.24
Rank #45 / 97
-9% -1%
$55.6k
Facility $55.6k
OR AVG $62.3k
Rank #81 / 98
18
Facility 18
OR AVG 34.0
Rank #18 / 95
4.5
Facility 4.5
OR AVG 6.9
Rank #22 / 95
1 74 -
68
Facility 68
OR AVG 55
Rank #173 / 476
Nair Facility Holdings LLC
$16.8M
Facility $16.8M
OR AVG $12.6M
Rank #21 / 93
$7.5M
Facility $7.5M
OR AVG $4.5M
Rank #19 / 93
44.5%
Facility 44.5%
OR AVG 38%
Rank #60 / 93
385195
Bend Transitional Care
NH
AL
IL
MC
RC
Bend (Mountain View)
60
Facility 60
OR AVG 67
Rank #181 / 351
85.1%
Facility 85.1%
OR AVG 65.7%
Rank #15 / 95
+29%
4.46
Facility 4.46
OR AVG 5.24
Rank #85 / 97
+112% -15%
$0
Facility $0
OR AVG $62.3k
Rank #1 / 98
11
Facility 11
OR AVG 34.0
Rank #4 / 95
3.7
Facility 3.7
OR AVG 6.9
Rank #9 / 95
- 56 -
70
Facility 70
OR AVG 55
Rank #159 / 476
Stanley Flemming
$11.9M
Facility $11.9M
OR AVG $12.6M
Rank #29 / 93
$4.9M
Facility $4.9M
OR AVG $4.5M
Rank #55 / 93
41.1%
Facility 41.1%
OR AVG 38%
Rank #91 / 93
385253
Rose Linn Care Center
NH
AL
MC
RC
West Linn (Willamette)
71
Facility 71
OR AVG 67
Rank #139 / 351
92.0%
Facility 92.0%
OR AVG 65.7%
Rank #5 / 95
+40%
4.41
Facility 4.41
OR AVG 5.24
Rank #91 / 97
-12% -16%
$0
Facility $0
OR AVG $62.3k
Rank #1 / 98
17
Facility 17
OR AVG 34.0
Rank #16 / 95
4.3
Facility 4.3
OR AVG 6.9
Rank #20 / 95
2 62 -
33
Facility 33
OR AVG 55
Rank #376 / 476
Linda Dubrin
-
Facility -
OR AVG $12.6M
Rank #49 / 93
-
Facility -
OR AVG $4.5M
Rank #33 / 93
-
Facility -
OR AVG 38%
Rank #27 / 93
385278
Holladay Park Plaza
NH
NC
Portland (Sullivan's Gulch)
51
Facility 51
OR AVG 67
Rank #224 / 351
61.3%
Facility 61.3%
OR AVG 65.7%
Rank #59 / 95
-7%
5.37
Facility 5.37
OR AVG 5.24
Rank #32 / 97
-15% +2%
$0
Facility $0
OR AVG $62.3k
Rank #1 / 98
17
Facility 17
OR AVG 34.0
Rank #16 / 95
5.7
Facility 5.7
OR AVG 6.9
Rank #40 / 95
- 38 -
93
Facility 93
OR AVG 55
Rank #12 / 476
Michael Ellis
$19.5M
Facility $19.5M
OR AVG $12.6M
Rank #7 / 93
$9.0M
Facility $9.0M
OR AVG $4.5M
Rank #13 / 93
46.2%
Facility 46.2%
OR AVG 38%
Rank #70 / 93
385259
Regency Care of Central Oregon
NH
AL
IL
MC
RC
Bend (Southern Crossing)
46
Facility 46
OR AVG 67
Rank #252 / 351
70.4%
Facility 70.4%
OR AVG 65.7%
Rank #36 / 95
+7%
5.66
Facility 5.66
OR AVG 5.24
Rank #16 / 97
+4% +8%
$0
Facility $0
OR AVG $62.3k
Rank #1 / 98
21
Facility 21
OR AVG 34.0
Rank #25 / 95
7.0
Facility 7.0
OR AVG 6.9
Rank #56 / 95
- 32 -
80
Facility 80
OR AVG 55
Rank #89 / 476
Martha Jenness
$7.4M
Facility $7.4M
OR AVG $12.6M
Rank #77 / 93
$2.9M
Facility $2.9M
OR AVG $4.5M
Rank #64 / 93
38.8%
Facility 38.8%
OR AVG 38%
Rank #11 / 93
385282
Mirabella Portland
NH
AL
MC
Portland (Southwest Portland)
27
Facility 27
OR AVG 67
Rank #316 / 351
93.2%
Facility 93.2%
OR AVG 65.7%
Rank #3 / 95
+42%
5.83
Facility 5.83
OR AVG 5.24
Rank #14 / 97
+70% +11%
$0
Facility $0
OR AVG $62.3k
Rank #1 / 98
14
Facility 14
OR AVG 34.0
Rank #11 / 95
4.7
Facility 4.7
OR AVG 6.9
Rank #25 / 95
- 24 A+
81
Facility 81
OR AVG 55
Rank #82 / 476
Linda Dinan
$8.9M
Facility $8.9M
OR AVG $12.6M
Rank #5 / 93
$11.4M
Facility $11.4M
OR AVG $4.5M
Rank #6 / 93
128.5%
Facility 128.5%
OR AVG 38%
Rank #23 / 93
385274
Fairlawn Health and Rehabilitation of Cascadia
NH
Gresham (Northeast)
82
Facility 82
OR AVG 67
Rank #102 / 351
73.2%
Facility 73.2%
OR AVG 65.7%
Rank #27 / 95
+11%
4.85
Facility 4.85
OR AVG 5.24
Rank #66 / 97
+103% -8%
$0
Facility $0
OR AVG $62.3k
Rank #1 / 98
27
Facility 27
OR AVG 34.0
Rank #36 / 95
3.4
Facility 3.4
OR AVG 6.9
Rank #7 / 95
2 71 -
46
Facility 46
OR AVG 55
Rank #312 / 476
Cascadia Oregon Operations LLC
$8.6M
Facility $8.6M
OR AVG $12.6M
Rank #68 / 93
$4.7M
Facility $4.7M
OR AVG $4.5M
Rank #52 / 93
54.7%
Facility 54.7%
OR AVG 38%
Rank #22 / 93
385133
Regency Gresham
NH
RC
Gresham (Powell Valley)
128
Facility 128
OR AVG 67
Rank #17 / 351
68.5%
Facility 68.5%
OR AVG 65.7%
Rank #39 / 95
+4%
5.22
Facility 5.22
OR AVG 5.24
Rank #45 / 97
+1% 0%
$0
Facility $0
OR AVG $62.3k
Rank #1 / 98
21
Facility 21
OR AVG 34.0
Rank #25 / 95
7.0
Facility 7.0
OR AVG 6.9
Rank #56 / 95
- 89 A+
21
Facility 21
OR AVG 55
Rank #416 / 476
David Stroud
$17.3M
Facility $17.3M
OR AVG $12.6M
Rank #8 / 93
$9.9M
Facility $9.9M
OR AVG $4.5M
Rank #9 / 93
57.2%
Facility 57.2%
OR AVG 38%
Rank #43 / 93
385015
Secora Rehabilitation of Cascadia
NH
Portland (Lents)
53
Facility 53
OR AVG 67
Rank #216 / 351
93.9%
Facility 93.9%
OR AVG 65.7%
Rank #2 / 95
+43%
5.56
Facility 5.56
OR AVG 5.24
Rank #20 / 97
-5% +6%
$0
Facility $0
OR AVG $62.3k
Rank #1 / 98
47
Facility 47
OR AVG 34.0
Rank #71 / 95
7.8
Facility 7.8
OR AVG 6.9
Rank #63 / 95
- 50 -
62
Facility 62
OR AVG 55
Rank #203 / 476
-
$10.1M
Facility $10.1M
OR AVG $12.6M
Rank #50 / 93
$3.8M
Facility $3.8M
OR AVG $4.5M
Rank #53 / 93
38%
Facility 38%
OR AVG 38%
Rank #50 / 93
385264
Avamere Court at Keizer
NH
AL
IL
RC
Keizer
69
Facility 69
OR AVG 67
Rank #148 / 351
77.1%
Facility 77.1%
OR AVG 65.7%
Rank #20 / 95
+17%
4.47
Facility 4.47
OR AVG 5.24
Rank #85 / 97
-56% -15%
$0
Facility $0
OR AVG $62.3k
Rank #1 / 98
18
Facility 18
OR AVG 34.0
Rank #18 / 95
6.0
Facility 6.0
OR AVG 6.9
Rank #44 / 95
- 52 -
76
Facility 76
OR AVG 55
Rank #110 / 476
Ari Cbc LLC
$12.9M
Facility $12.9M
OR AVG $12.6M
Rank #36 / 93
$6.3M
Facility $6.3M
OR AVG $4.5M
Rank #31 / 93
48.8%
Facility 48.8%
OR AVG 38%
Rank #48 / 93
385233
Avamere Transitional Care at Sunnyside
NH
RC
Salem (Morningside)
88
Facility 88
OR AVG 67
Rank #81 / 351
71.2%
Facility 71.2%
OR AVG 65.7%
Rank #32 / 95
+8%
6.05
Facility 6.05
OR AVG 5.24
Rank #11 / 97
-47% +15%
$0
Facility $0
OR AVG $62.3k
Rank #1 / 98
53
Facility 53
OR AVG 34.0
Rank #81 / 95
7.6
Facility 7.6
OR AVG 6.9
Rank #61 / 95
- 77 -
78
Facility 78
OR AVG 55
Rank #98 / 476
Amanda Ingraham
$12.1M
Facility $12.1M
OR AVG $12.6M
Rank #41 / 93
$5.6M
Facility $5.6M
OR AVG $4.5M
Rank #40 / 93
46.6%
Facility 46.6%
OR AVG 38%
Rank #49 / 93
385189
Meadow Park Care
NH
St Helens (Graystone Estate)
92
Facility 92
OR AVG 67
Rank #69 / 351
45.0%
Facility 45.0%
OR AVG 65.7%
Rank #88 / 95
-32%
1.34
Facility 1.34
OR AVG 5.24
Rank #97 / 97
+10% -74%
$43.3k
Facility $43.3k
OR AVG $62.3k
Rank #76 / 98
69
Facility 69
OR AVG 34.0
Rank #93 / 95
8.6
Facility 8.6
OR AVG 6.9
Rank #72 / 95
3 72 A+
60
Facility 60
OR AVG 55
Rank #222 / 476
Kesher Health LLC
$7.9M
Facility $7.9M
OR AVG $12.6M
Rank #74 / 93
$3.3M
Facility $3.3M
OR AVG $4.5M
Rank #82 / 93
42.2%
Facility 42.2%
OR AVG 38%
Rank #62 / 93
385222
Maryville Nursing Center
NH
MC
Beaverton (Central Beaverton)
165
Facility 165
OR AVG 67
Rank #5 / 351
73.7%
Facility 73.7%
OR AVG 65.7%
Rank #25 / 95
+12%
5.64
Facility 5.64
OR AVG 5.24
Rank #20 / 97
-3% +8%
$162.8k
Facility $162.8k
OR AVG $62.3k
Rank #95 / 98
36
Facility 36
OR AVG 34.0
Rank #52 / 95
4.5
Facility 4.5
OR AVG 6.9
Rank #22 / 95
7 137 -
55
Facility 55
OR AVG 55
Rank #256 / 476
St Mary Of Oregon Ministries Oregon
$25.1M
Facility $25.1M
OR AVG $12.6M
Rank #3 / 93
$12.4M
Facility $12.4M
OR AVG $4.5M
Rank #3 / 93
49.6%
Facility 49.6%
OR AVG 38%
Rank #16 / 93
385166
Glisan Post Acute
NH
HC
NC
PC
Portland (Hazelwood)
100
Facility 100
OR AVG 67
Rank #49 / 351
62.3%
Facility 62.3%
OR AVG 65.7%
Rank #54 / 95
-5%
5.89
Facility 5.89
OR AVG 5.24
Rank #13 / 97
-34% +12%
$13.0k
Facility $13.0k
OR AVG $62.3k
Rank #59 / 98
39
Facility 39
OR AVG 34.0
Rank #60 / 95
4.3
Facility 4.3
OR AVG 6.9
Rank #20 / 95
6 76 -
80
Facility 80
OR AVG 55
Rank #89 / 476
Glisan Snf Healthcare, LLC
$13.2M
Facility $13.2M
OR AVG $12.6M
Rank #28 / 93
$6.5M
Facility $6.5M
OR AVG $4.5M
Rank #28 / 93
49.1%
Facility 49.1%
OR AVG 38%
Rank #64 / 93
385136
Green Valley Rehabilitation Health Center
NH
HC
PC
RC
Eugene (Clairmont Apartments)
120
Facility 120
OR AVG 67
Rank #24 / 351
91.8%
Facility 91.8%
OR AVG 65.7%
Rank #6 / 95
+40%
5.00
Facility 5.00
OR AVG 5.24
Rank #61 / 97
-71% -5%
$53.0k
Facility $53.0k
OR AVG $62.3k
Rank #79 / 98
71
Facility 71
OR AVG 34.0
Rank #94 / 95
11.8
Facility 11.8
OR AVG 6.9
Rank #88 / 95
2 104 -
61
Facility 61
OR AVG 55
Rank #210 / 476
Kensington Rehabilitation Health Center, LLC
$18.6M
Facility $18.6M
OR AVG $12.6M
Rank #9 / 93
$7.7M
Facility $7.7M
OR AVG $4.5M
Rank #10 / 93
41.6%
Facility 41.6%
OR AVG 38%
Rank #47 / 93
385156
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Nursing Home Explorer
Overview of Avamere at Three Fountains
Avamere at Three Fountains is a skilled nursing and rehabilitation community located in Medford, Oregon. It offers services such as skilled nursing, rehabilitation, and short and long-term care. The community features 24-hour staff, transportation assistance, and a vibrant activities calendar.

Contact Avamere at Three Fountains

Overview of Dallas Retirement Village Health Center

Dallas Retirement Village Health Center is a skilled nursing and memory care community in Dallas, Oregon. Dallas Mennonite Retirement Community, Inc., has been operating the campus for more than 75 years. The 121-bed facility offers skilled nursing, assisted living, memory care, rehabilitation, and respite care and accepts both Medicare and Medicaid.

CMS gives the facility a 3-star overall rating, which is in line with Oregon averages. Health Inspection and Staffing sub-ratings are both modestly above state benchmarks, while Quality Measures fall about 13% below Oregon averages, a gap that matters most for residents with complex or longer-term care needs.

Total nurse staffing averages 4 hours and 49 minutes per resident each day, which is about 7% below the Oregon averages. However, RN staffing performs much better at 29% above state norms, pointing to stronger clinical oversight at the registered-nurse level.

The inspection history includes a substantiated complaint from November 2024, involving physical abuse of a resident by a staff member, confirmed through video. A December 2024 standard inspection later identified six deficiencies involving medication storage, food sanitation, infection control, and administrative rules, with some issues remaining uncorrected during follow-up review. The facility’s deficiency rate averages 8.7 per year, 30% above Oregon’s average of 6.7. Inspections through 2025 have been notably lighter, though the recent trend is still short.

On-site rehabilitation services include physical, occupational, and respiratory therapy. The facility’s occupancy rate is 86.5%, well above the Oregon average of 65.7%, reflecting consistent local demand across the facility’s care continuum.

Dallas Retirement Village Health Center fits residents looking for a multi-level care campus in Polk County, particularly those managing post-acute recovery or anticipating a longer care trajectory in a single community.

Contact Dallas Retirement Village Health Center

Overview of Regency Care of Rogue Valley

Serving the community for 16 years, Regency Care of Rogue Valley is a nursing home in Grants Pass, Oregon. Bd Facilities LLC owns the 102-bed facility. It accepts Medicare, Medicaid, and private pay, giving families multiple pathways to secure care. The home accommodates rehabilitation and longer-term nursing residents, who stay for an average of 67 days.

The facility stands out in its staffing. Total nursing care averages 5 hours and 12 minutes per resident each day, supported by registered nurses (37 minutes per resident), nurse aides (3 hours and 38 minutes), and licensed practical nurses (53 minutes per resident). This staffing level is enough to provide adequate hands-on attention to residents who require support for daily needs and clinical care.

The home is in a car-dependent area, so most errands require a car, a typical feature of Grants Pass. Families who visit should plan accordingly, though the location is within reach of the surrounding community’s services and providers.

State inspections by the Oregon Department of Human Services have identified areas for improvement in medication management, wound care, mobility assistance, respiratory support, and food service standards. The facility has addressed these concerns, with some corrections made during inspections and others through follow-up remediation.

Regency Care’s focus on rehabilitation services and respite care makes it best suited for residents recovering from surgery or illness, as well as for families seeking short-term placement. With 44% occupancy, the home has enough capacity for new admissions.

Contact Regency Care of Rogue Valley

Overview of Regency Florence

Regency Florence is a nursing home located on East 21st Street in Florence, Oregon, a very walkable community where errands and essentials are within a reasonable walking distance. The 72-bed home has been operating for 20 years. It serves residents needing both short-term rehabilitation and longer-term nursing care. Families can pay through Medicare, Medicaid, and private pay.

The home clinically focuses on rehabilitation and recovery. Nurse staffing averages 5 hours and 18 minutes per resident per day. Nurse aides provide the bulk of hands-on support, and registered nurses and licensed practical nurses complete the care team.

The facility also offers specialized rehabilitation services for residents focused on therapy and recuperation. Most seniors stay for an average of 102 days, including post-acute recovery stays and longer-term residents.

Beyond rehabilitation therapy, Regency Florence offers respite care for families who need a break from managing a loved one’s recovery at home. The home is conveniently located for visiting family and is closely connected to the local Florence community.

State inspections have documented areas where operational and care practices need improvement and consistent follow-through. Families considering Regency Florence may want to review inspection reports and ask about how the home addresses these findings and implements ongoing quality checks.

Contact Regency Florence

Overview of Willowbrook Post Acute
Willowbrook Post Acute is a skilled nursing and rehabilitation facility located in Pendleton, Oregon. The team is committed to providing high-quality care in a safe environment, ensuring residents feel secure and comfortable. They offer a wide range of services and amenities to support recovery and rehabilitation.

Contact Willowbrook Post Acute

Overview of Rivers Edge Rehabilitation and Care
Rivers Edge Rehabilitation and Care is a skilled nursing and rehabilitation facility located in Philadelphia, PA. It offers personalized skilled nursing, rehabilitation, and specialty care in a warm, supportive setting. The facility is committed to providing residents with the highest quality care in a comfortable and home-like environment.

Contact Rivers Edge Rehabilitation and Care

Overview of Avamere Rehabilitation of Lebanon
Avamere Rehabilitation of Lebanon is dedicated to enhancing the life of every person served. The facility offers a range of services including post-acute care, skilled nursing, and in-house rehabilitation. With a commitment to compassionate care, Avamere aims to support seniors in their recovery and daily living needs.

Contact Avamere Rehabilitation of Lebanon

Overview of Columbia Basin Care Facility
Columbia Basin Care Facility is an independent, not-for-profit nursing facility located in The Dalles, Oregon. It provides short-stay rehabilitation and long-term care with a focus on resident-centered care. The facility is known for its skilled nursing services and a dedicated team of professionals.

Contact Columbia Basin Care Facility

Overview of Hillside Heights Rehabilitation Center
Hillside Heights Rehabilitation Center is located in Amarillo, Texas. It offers skilled nursing, therapy, hospice, and respite services in a warm, homelike environment. The facility is committed to providing quality, compassionate care tailored to each resident’s needs.

Contact Hillside Heights Rehabilitation Center

Overview of Myrtle Point Rehabilitation and Care
Sapphire at Myrtle Point offers compassionate, skilled nursing, rehabilitation, memory care, assisted living, hospice, and transitional independent living in Myrtle Point, Oregon. The licensed team creates personalized care plans for short recovery stays or long-term living, prioritizing comfort and connection. The facility fosters a warm, inclusive environment where residents, families, and staff feel connected.

Contact Myrtle Point Rehabilitation and Care

Ranking Methodology

How we rank these nursing homes

Every nursing home above is evaluated across five weighted categories using CMS data including Care Compare, Payroll-Based Journal, and Medicare Cost Reports.

  • CMS data
  • 5 weighted categories
  • Updated quarterly
Full methodology

Weighting overview

  • 35%
    Care Quality
  • 20%
    Staffing
  • 20%
    Regulatory
  • 20%
    Operational
  • 5%
    Environment
01

Care Quality 35%

The largest single share of every ranking. CMS star ratings and quality measures that reflect actual care delivered to residents.

  • Includes
  • Overall Rating
  • Health Inspection
  • QM Rating
  • Long-Stay QM
  • Short-Stay QM
02

Staffing Adequacy 20%

The strongest predictor of resident outcomes. Volume and stability of nursing care, drawn from CMS Payroll-Based Journal.

  • Includes
  • Nurse Hrs/Res/Day
  • RN vs State
  • Total Nurse Staff Hrs vs State
  • RN Turnover
03

Regulatory & Safety Record 20%

Inspection patterns that star ratings can mask. We weight per-inspection rates more heavily than raw counts.

  • Includes
  • Citations
  • Citations/Inspection
  • Severe Citations
  • Fines
  • Accreditations
04

Operational & Financial Stability 20%

Stable operations and sound finances are leading indicators of consistent care over time.

  • Includes
  • Occupancy vs State
  • Avg Length of Stay
  • Revenue
  • Payroll %
  • Years in Operation
  • Admin Tenure
05

Environment & Accessibility 5%

Context that matters to families but doesn't directly measure clinical care. Weighted lower for nursing homes than for assisted or independent living.

  • Includes
  • Walk Score
  • BBB Rating
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Frequently Asked Questions about Nursing Homes in Oregon

What's the difference between assisted living and a nursing home in Oregon?

Assisted living in Oregon is a residential model focused on housing, hospitality, and help with daily activities. Nursing homes (skilled nursing facilities) provide 24/7 medical care from licensed nurses for residents with significant health needs, and are regulated more strictly under both state and federal CMS rules.

Does Oregon Medicaid cover nursing home care?

Yes — Oregon Medicaid covers nursing home care for residents who meet income, asset, and medical-need eligibility requirements. Most CMS-certified nursing homes accept Medicaid as a primary payer once long-term-care eligibility is established.

What is nursing home care?

Nursing homes (also called skilled nursing facilities) provide 24/7 medical care from licensed nurses, rehabilitation services, and long-term custodial care for residents with significant health or functional needs.

How many nursing homes are listed on this page?

This page features 86 nursing homes in Oregon. Use the filters and comparison tools above to compare ratings, amenities, and pricing.

How do I choose the right nursing home 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 nursing homes 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.