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Long-term Care Options

Long-term care services are for people who need help meeting their daily health or personal care needs. These services are not usually covered by traditional health insurance or Medicare. 

Types of servicesHelp paying for care

 If you want to talk with someone about options and services in your area:

Contact your local ADRC or call their statewide number at 855-673-2372

ADRC is the Aging and Disability Resource Connection of Oregon. They are a public resource that has trained professional staff who can help you and your family find long-term care services.

Long-term care services

​There are many kinds of services to help people stay independent and safe in their homes. They can be short-term, while you recover from an injury or illness, or long-term for many years.

​Services vary based on a person's needs. For example, you could get help with bathing, dressing, mobility or medications.

Learn about home care servicesHelp finding ​a home care worker

Services in your community may include meals, transportation or help managing chronic conditions. Many people use community-based services together with in-home services.

Services vary depending on where you live.​

Learn about community-based servicesMeal programsAdult day centers

There are many facility-based living options in Oregon. These include adult foster care, assisted living, residential care facilities, nursing facilities and memory care communities.

Learn about ​facility-based servicesFind facilities in OregonEnsuring quality careLicensing updates

PACE is the Program for All-Inclusive Care for the Elderly. It is a Medicare and Medicaid program that helps people meet their health needs in the community instead of going to a care facility.

With PACE, you have a team of health care professionals who work with you to make sure you get the coordinated care you need.

PACE is for people who:

  • Are 55 or older
  • Are eligible for Medicaid or Medicare (or you can pay privately)
  • Live in the service area of a PACE organization (PACE is available in all of Multnomah and Clatsop counties, and many parts of Washington, Clackamas, Tillamook, Jackson and Josephine counties)
  • Are willing to get all their health services through PACE
  • Need a nursing-home level of care
  • Can live safely in the community with help from PACE

Oregon's PACE fact sheetFederal PACE website

Paying for your care

Medicaid is for people with limited income and resources. Oregon's Medicaid program is called the Oregon Health Plan, or "OHP." 

Medicaid pays for long-term care for people who meet eligibility requirements. There are several different programs, and they each have their own eligibility criteria. Services may include help with daily activities, health-related tasks and more. Services can be provided in a person’s home or in a facility.

Service priority levels

How to apply

  • By phone: Call the ADRC at 855-673-2372.
  • Online: Apply online. You will need to create a ONE Online account.
  • In person: Call your local Benefits office to make an appointment to apply in person.

Learn more about OHP

There are two types of OPI programs that help adults stay in their homes.

  • OPI is for people who don't have Medicaid long-term care. It's funded by the state. You pay part of the cost for services.
  • OPI-M is for people with limited income and resources. It's funded by ​Medicaid. Services are free if you qualify.

About OPI

  • For adults who need help to stay in their home and who don't have Medicaid long-term care benefits.
  • No income or asset limits.
  • You pay for part of your services based on your income (sliding scale).
  • Some areas have a waiting list. People with the highest need who don't have enough support to stay at home are helped first. 
Services

OPI provides in-home services. This may include personal care, housekeeping, home-delivered meals, transportation and support for unpaid family caregivers.

Cost

With OPI, you pay a portion of the cost based on a sliding scale.

How to apply

Call or visit your local Aging and People with Disabilities (APD) or Area Agency on Aging (AAA) office.

Find an office near youLearn more about OPI

About OPI-M (Medicaid-funded OPI)

  • For adults who need help to stay in their home and who have limited income and resources.
  • Income and asset limits are higher than regular Medicaid/OHP, so more people qualify. 
    • You can earn up to $5,217 per month (for one person in 2025). This is 400% of the Federal Poverty Level. 
    • Your combined savings and assets can be up to $94,523 (for 2025). This is based on the amount the state pays for six months of care in a nursing facility. 
  • Services are free if you qualify.
  • Some people with Medicaid/OHP can also get OPI-M.
Services

OPI-M provides in-home services. This may include personal care, housekeeping, meal preparation, home delivered meals, chore services, adult day services, assistive technology, home modifications and support for unpaid family caregivers. 

Cost

OPI-M is free if you qualify. There is no estate recovery, so nothing has to be paid back later.

How to apply

Call or visit your local Aging and People with Disabilities (APD) or Area Agency on Aging (AAA) office.

Find an office near youLearn more about OPI

Long-term care insurance can help pay for long-term care costs, but it's not right for everyone. Visit the Oregon Insurance Division website for help deciding if long-term care insurance is a good fit for you.

Common questions

Medicare is a federal health insurance program for people age 65 and older, and some people under 65 with certain disabilities or conditions.

Medicare does not generally pay for long-term care, but it does help pay for skilled nursing or home health care for rehabilitation after certain kinds of hospital stays.

Visit the federal Medicare websiteGet free Medicare help

Free Medicare help is provided through a program called SHIBA (Senior Health Insurance Benefits Assistance).