The 10 Best Home Care Agencies for Seniors in Tigard, OR for 2024

Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Tigard, OR, residents and their loved ones rate In Home Care agencies 3.6 out of 5 stars across the 29 options below.

Data from the 2021 Genworth Cost of Care Survey shows that home care costs an average of $7,146 per month in Tigard, which is significantly higher than both the Oregon average of $6,006 and the national average of $4,957. Across the state, seniors in every major city pay less for home care than their peers in Tigard. The average cost is $6,435 in Bend, and it's $6,101 both in Medford and in the state capital of Salem. The college town of Eugene has the lowest costs at $5,911.

Home care isn't the only senior care option available in Tigard. The most affordable choice is adult day health care, which averages only $2,708 per month. Home health care costs the same as home care but includes skilled medical services. Assisted living facilities provide many of the same services as home care but in a residential setting at an average cost of $4,975. Nursing homes are the most expensive option at $10,661 for a semiprivate room, but they offer the most comprehensive care.

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help to pay for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

• Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations, typically a maximum benefit of $150 per day, and exact coverage terms vary depending on the exact policy, so always check the details.
• Medicare: Medicare does not cover in-home care because it is classified as custodial or nonmedical care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
• Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care services either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
• Veterans' Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with activities of daily living. Contact the Department of Veterans Affairs to learn more.
• Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a tax-free portion of your home's equity in cash. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.