Portland In-Home Care

Article: How to get Medicare and Medicaid to Pay for Assisted Living

3.4 miles from city center

Description

With a mission to extend a helping hand to families needing support caring for their cherished loved ones, Portland In-Home Care is a home health care community proudly located in the heart of Portland, Oregon. Within this commitment lies their role as dedicated advocates for the vulnerable segments of their community, particularly the elderly and disabled. A hallmark of their service is the unwavering supervision and continuous training their caregivers receive.

Portland In-Home Care equips its caregivers with the knowledge, skills, and compassion necessary to provide exceptional care to their clients. This training includes in-house guidance from their expert staff and external resources such as seminars and webinars, including those offered by Oregon Care Partners. Crucially, the caregivers assigned to care for clients at Portland In-Home Care are held to the highest standard. Each caregiver must meet stringent criteria, ensuring they possess the qualities and capabilities necessary to be entrusted with the care of a loved one.

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Type of Care Available

Home Care

Claim What’s Yours: Financial Aid for Oregon Seniors

Program

State Program Name

Eligibility

Benefits

Oregon Project Independence (OPI)

OPI

General: Age 60+, Oregon resident, at risk of nursing home but not Medicaid-eligible.
Income Limits: ~$2,000/month (individual, varies).
Asset Limits: $5,000 (individual).
OR Specifics: Cost-sharing required; rural/urban balance.

Services: In-home care (3-5 hours/week), respite (up to 10 days/year), adult day care (~$70/day), transportation (~5 trips/month).

Oregon Medicaid Community-Based Care

OR Medicaid CBC

General: Age 65+ or disabled, Oregon resident, Medicaid-eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $2,000 (individual), $3,000 (couple).
OR Specifics: High demand in urban areas (e.g., Portland).

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care ($70/day), home modifications ($1,500 avg.).

Program of All-Inclusive Care for the Elderly (PACE)

Oregon PACE (e.g., Providence ElderPlace)

General: Age 55+, OR resident (specific counties), NFLOC, safe with PACE support.
Income Limits (2025): ~$2,829/month (Medicaid-eligible); private pay option available.
Asset Limits: $2,000 (individual), $3,000 (couple) for Medicaid enrollees.
OR Specifics: Available in 11 counties (e.g., Multnomah, Washington); Providence ElderPlace dominant provider.

Services: Personal care (5-7 hours/day), medical care, meals, transportation, respite, therapies.

Medicare Savings Program (MSP)

Oregon Medicare Savings Program

General: Age 65+ or disabled, OR resident, Medicare Part A/B.
Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits: $9,430 (individual), $14,130 (couple).
OR Specifics: Three tiers; includes Extra Help for Part D; no waitlist.

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

Low-Income Home Energy Assistance Program (LIHEAP)

Oregon LIHEAP

General: Age 60+ prioritized, OR resident, low-income household.
Income Limits (2025): ~$3,970/month (individual, 185% FPL).
Asset Limits: Not assessed; income-focused.
OR Specifics: Covers gas, electric, oil; emergency aid via Oregon Energy Fund (OEF).

Services: Heating/cooling aid ($300-$1,000/season), emergency aid ($500 max via OEF).

Family Caregiver Support Program (FCSP)

Oregon Family Caregiver Support Program

General: Caregivers of 60+ needing care or 55+ caregivers of others; OR resident; functional needs (2+ ADLs).
Income Limits (2025): No strict cap; prioritizes low-income (~$24,980/year).
Asset Limits: Not assessed; need-based.
OR Specifics: 15 regions; rural priority; includes grandparent caregivers.

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), training, supplies (~$500/year).

Senior Community Service Employment Program (SCSEP)

Oregon SCSEP

General: Age 55+, unemployed, low-income, OR resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified; income-focused.
OR Specifics: Priority for veterans, rural residents; Easterseals/AARP partnership.

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

VA Aid and Attendance (A&A) and Housebound Benefits

Oregon VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, OR resident, wartime service, need for ADL help (A&A) or homebound.
Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits: ~$155,356 (net worth limit).
OR Specifics: High veteran demand; Oregon Veterans’ Homes option.

Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).

Senior Property Tax Deferral Program

Oregon Property Tax Deferral for Disabled and Senior Citizens

General: Age 62+, OR resident, homeowner 5+ years, low-income.
Income Limits (2025): ~$58,000/year (household, adjusted annually).
Asset Limits: Home value < county median; equity > 15%.
OR Specifics: Deferred taxes accrue 6% interest; repaid upon sale/death.

Services: Tax deferral (~$1,000-$3,000/year avg., varies by county).

Elderly Nutrition Program (ENP)

Oregon Elderly Nutrition Program

General: Age 60+, OR resident (or spouse of any age); no income limit.
Income Limits (2025): None; donations encouraged.
Asset Limits: Not assessed.
OR Specifics: Includes Meals on Wheels; prioritizes homebound/low-income.

Services: Home-delivered or congregate meals (~$5-$7/meal value, 5 meals/week avg.).

Claim What’s Yours Financial Aid for Oregon Seniors

OPI

Oregon Project Independence (OPI)

Eligibility

General: Age 60+, Oregon resident, at risk of nursing home but not Medicaid-eligible.
Income Limits: ~$2,000/month (individual, varies).
Asset Limits: $5,000 (individual).
OR Specifics: Cost-sharing required; rural/urban balance.

Benefits

Services: In-home care (3-5 hours/week), respite (up to 10 days/year), adult day care (~$70/day), transportation (~5 trips/month).

OR Medicaid CBC

Oregon Medicaid Community-Based Care

Eligibility

General: Age 65+ or disabled, Oregon resident, Medicaid-eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $2,000 (individual), $3,000 (couple).
OR Specifics: High demand in urban areas (e.g., Portland).

Benefits

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care ($70/day), home modifications ($1,500 avg.).

Oregon PACE (e.g., Providence ElderPlace)

Program of All-Inclusive Care for the Elderly (PACE)

Eligibility

General: Age 55+, OR resident (specific counties), NFLOC, safe with PACE support.
Income Limits (2025): ~$2,829/month (Medicaid-eligible); private pay option available.
Asset Limits: $2,000 (individual), $3,000 (couple) for Medicaid enrollees.
OR Specifics: Available in 11 counties (e.g., Multnomah, Washington); Providence ElderPlace dominant provider.

Benefits

Services: Personal care (5-7 hours/day), medical care, meals, transportation, respite, therapies.

Oregon Medicare Savings Program

Medicare Savings Program (MSP)

Eligibility

General: Age 65+ or disabled, OR resident, Medicare Part A/B.
Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits: $9,430 (individual), $14,130 (couple).
OR Specifics: Three tiers; includes Extra Help for Part D; no waitlist.

Benefits

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

Oregon LIHEAP

Low-Income Home Energy Assistance Program (LIHEAP)

Eligibility

General: Age 60+ prioritized, OR resident, low-income household.
Income Limits (2025): ~$3,970/month (individual, 185% FPL).
Asset Limits: Not assessed; income-focused.
OR Specifics: Covers gas, electric, oil; emergency aid via Oregon Energy Fund (OEF).

Benefits

Services: Heating/cooling aid ($300-$1,000/season), emergency aid ($500 max via OEF).

Oregon Family Caregiver Support Program

Family Caregiver Support Program (FCSP)

Eligibility

General: Caregivers of 60+ needing care or 55+ caregivers of others; OR resident; functional needs (2+ ADLs).
Income Limits (2025): No strict cap; prioritizes low-income (~$24,980/year).
Asset Limits: Not assessed; need-based.
OR Specifics: 15 regions; rural priority; includes grandparent caregivers.

Benefits

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), training, supplies (~$500/year).

Oregon SCSEP

Senior Community Service Employment Program (SCSEP)

Eligibility

General: Age 55+, unemployed, low-income, OR resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified; income-focused.
OR Specifics: Priority for veterans, rural residents; Easterseals/AARP partnership.

Benefits

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

Oregon VA Aid and Attendance/Housebound

VA Aid and Attendance (A&A) and Housebound Benefits

Eligibility

General: Age 65+ or disabled veteran/spouse, OR resident, wartime service, need for ADL help (A&A) or homebound.
Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits: ~$155,356 (net worth limit).
OR Specifics: High veteran demand; Oregon Veterans’ Homes option.