
Oregon Long-Term Care
Explore and learn information about long-term care and insurance for Oregon residents.
Oregon Cost of Care Calculator
View the costs of Long-Term Care in your area. Use the slider below to view future costs of care services with inflation.
Oregon Median | ||||
Long-Term Care | 2021 | 2036(+16 Years) | 2021 | 2036(+16 Years) |
Homemaker Services | $5,008 | $8,277 | $5,008 | $8,277 |
Home Health Aide | $5,106 | $8,440 | $5,204 | $8,602 |
Adult Day Care | $2,042 | $3,375 | N/A | N/A |
Assisted Living Facility | $4,730 | $7,818 | $4,336 | $7,167 |
Semi-Private Room | $9,555 | $15,794 | $9,712 | $16,053 |
Private Room | $10,276 | $16,985 | $10,182 | $16,829 |
Care Facilities in Oregon

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Make this area yours! Display an image, brief description, and your contact details of your care facility including a website link.
- Affordable Pricing
- SEO Friendly Link
- Backlink Discount
- Visible Contact Details

State Information
Federal Partnership Program
The State of Oregon participates in the federal/state long-term care partnership program which was authorized by federal law in 2005. The State established a partnership among the Department of Human Services (DHS), the Department of Consumer and Business Services, and some private long-term care insurers to offer special long-term care (LTC) insurance policies that entitle policyholders to asset protection. These policies must meet certain state and federal requirements. A qualified partnership policy (QPP) may be entitled to special asset protection under Oregon’s Medicaid program.
With a qualified Oregon Long-Term Care Partnership policy, you may qualify for Medicaid long-term care benefits and keep more assets than what is normally allowed under the law. Assets include money in the bank, investments, and real property. Generally, people qualify for Medicaid when they have assets of $2,000 or less. A QPP allows you to keep assets equal to the amount of LTC insurance benefits you received. Also, a QPP protects your inheritance for the same amount.
Policy Example
If your QPP paid $350,000 in LTC benefits, you would get to keep the $2,000 Medicaid normally allows and also shelter $350,000 in additional assets and while still becoming eligible for Medicaid. Whatever the policy paid is what will be “disregarded” in the spend-down requirements. This allows for additional asset protection. The Partnership Program also protects those assets after death from Medicaid estate recovery.
Reciprocity
Most states have reciprocity with other states' long-term-care partnership programs including Oregon. This means if you move from or to Oregon your partnership asset protection follows you as well.
Medicaid
Long-Term Care Medicaid spend down is $2,000. A spouse’s minimum asset allowance is minimum of $25,728 up to a maximum of one-half of countable assets up to $128,640. Your spouse’s minimum monthly income allowance is $2,113.75. * The home equity limit is $595,000.
For more information about the Medicaid program visit www.medicaid.gov.
Rate Stability Rules
In addition, Oregon consumers enjoy additional peace-of-mind as the state has adopted Long-Term Care Insurance Rate Stability Rules. These rules, developed the National Association of Insurance Commissioners, makes it much harder for an insurance company to get an approved rate increase.
Products Approved in Oregon
Several products are approved in Oregon for Long-Term Care planning. These include traditional plans, including partnership certified policies, limited-duration plans, and asset-based “hybrid” policies.
Tax Incentives
Oregon no longer offers a state tax incentive for qualified Long-Term Care insurance; however, federal tax incentives are still available.
*The federal government sets a new minimum and maximum amounts each year, but states can set their own minimum requirements at any level between the federal limits. This information is based on the best available sources.
State Breakdown | |
---|---|
State Partnership Program | |
State Tax Incentives | |
Federal Tax Incentives | |
Rate Stability Rules | |
Medicaid Spend Down | $2,000 |
Minimum Asset Allowance | $25,728 |
Minimum Monthly Income Allowance | $2,113.75 |
Long-Term Care Throughout Oregon
Portland
Portland is the largest metro area in Oregon. This includes cities in Washington State. The average cost of a skilled nursing facility runs $9,429 a month. The cost of an Assisted Living Facilityaverages $4,825 a month. Adult Day Care Centers average $2,167 a month. Care at home, based on a 44-hour week, averages $5,339 a month.
Medford
Medford is the largest population center in the southern part of the state located in the southwest corner of Oregon. The average cost of a skilled nursing facility runs $9,977 a month. The cost of an Assisted Living Facilityaverages $9,277 a month. Adult Day Care Centers average $1,983 a month. Care at home, based on a 44-hour week, averages $4,957 a month.
More Locations
Other population centers in Oregon include Albany, Aloha, Beaverton, Bend, Corvallis, Eugene, Grants Pass, Gresham, Hillsboro, Keizer, Lake Oswego, McMinnville, Oregon City, Redmond, Salem, Springfield, and Tigard.
Top Frequently Asked Questions
- Are All Long-Term Care Insurance Policies the Same?
- Are Benefits From a Long-Term Care Insurance Policy Taxable?
- Are Long-Term Care Insurance Policies Expensive?
- Do I Have to Worry About Pre-Existing Conditions?
View more questions, or ask your own in the F.A.Q. Section.