Long-term care insurance is designed to help pay for many types of long-term care, including both skilled nursing care and community-based care. The extent of coverage will vary, depending on the policy. While some policies cover only nursing facility care, other policies may cover adult foster care, in-home care, or assisted living. For information on locating an insurance agent who has expertise in long term care insurance, contact SHIBA.
Medicaid is a jointly funded, federal-state health care program for persons who are financially eligible. Medicaid provides care for acute medical needs, rehabilitation, and long-term care at home and in nursing homes. There are also numerous community-based programs, including in-home care, and assistance with local transportation. Case managers work with clients and families to develop a plan of care and living arrangements appropriate to each person’s needs.
Medicare does not pay for long-term care services. Medicare does pay for short-term skilled nursing or home health care if you meet certain conditions.
Oregon Project Independence (OPI) provides limited in-home services to people 60 and older who need help in order to continue living independently within their own homes. Some OPI services are also available to adults (over 18 years) with dementia. There are no resource qualifications or limits. Participants in this program may need to contribute towards the cost of care, depending on income.
Veterans and their family members may be eligible for in-home and home health care services, in whole or in part, through programs and other benefits available through the Veterans Administration.