Assisted Living in Oregon

The Oregon Health Plan (OHP) is Oregon's Medicaid program. For people who are 65 or older, blind, or disabled, it comes through the Oregon Supplemental Income Program Medical, or OSIPM. It gives full OHP Plus coverage, which pays for doctor visits, hospital care, prescriptions, and other medical care. It can also help pay Medicare costs. It does not pay assisted living rent or meals.

OSIPM is also the door to long-term care. Medicaid long-term care, listed below, pays for care in an assisted living facility, residential care facility, or adult foster home. It uses a higher income limit than the one in the table.

An Oregon Health Plan benefit that pays for hands-on care, such as help with bathing, dressing, eating, using the bathroom, moving around, and taking medicines. Oregon pays for it mainly through its Medicaid State Plan K Option, often called the K Plan. You can get the care in your own home, an adult foster home, a residential care facility, or an assisted living facility. In a facility, the staff give the care and ODHS pays the facility for it. The facility must accept Medicaid, so ask before you move in.

ODHS pays the facility a monthly rate based on how much help you need. As of July 2026, the rate for an assisted living facility runs from $2,040 a month at the lowest level of need to $4,789 at the highest. Memory care in an endorsed unit is paid $6,480 a month.

Medicaid does not pay room and board. In 2026, a resident pays the facility $773 a month for room and board and keeps $221 a month for personal needs. Any income left after that goes toward the cost of care. People who get SSI do not pay toward their care. Residential care facilities and adult foster homes must accept the state's room and board amount and care payment as payment in full.

Two related programs that pay for help at home so you can keep living there. Services depend on your needs and where you live. They can include personal care, housekeeping, home-delivered meals, chore services, adult day services, respite care, assistive technology, and support for unpaid family caregivers. Neither program pays for assisted living.

OPI is funded by the state. It has no income or asset limits, but you pay part of the cost on a sliding scale based on your household income minus your medical costs. Some areas have a waiting list, and people who are frail and have little support get help first.

OPI-M uses Medicaid money, so more people can be served, and services are free if you qualify. In 2026, OPI-M allows monthly income up to $5,320. From July 2026 through June 2027, the asset limit is $103,645 for one person. There is no estate recovery, so your family does not have to pay the cost back later.

A program that gives frail older adults all of their Medicare and Medicaid care through one team, so they can keep living in the community instead of a nursing home. You get care at a PACE center, at home, or in an adult foster home, assisted living facility, or residential care facility. It covers doctor and dental care, prescriptions, adult day services, in-home care, assisted living care, hospital care, hospice, and rides.

If you have Medicaid, PACE covers all of your needed care. If you have Medicare but not Medicaid, you pay a monthly premium for the long-term care and drug benefits, with no other copays or deductibles. You can also pay privately.

The federal health insurance program for people 65 and older. Part A covers hospital stays and a short period of skilled nursing care after a hospital stay. Part B covers doctor visits, outpatient care, and medical equipment. Medicare does not pay for assisted living rent or for help with daily tasks like bathing and dressing. In 2026, Part B costs $202.90 a month with a $283 yearly deductible, and the Part A hospital deductible is $1,736.

Plans sold by private insurers that replace Original Medicare. They must cover everything Original Medicare covers, and many add drug, dental, vision, or hearing coverage. Plans, costs, and doctor networks vary by county.

Drug plans that add prescription coverage to Original Medicare. Each plan has its own list of covered drugs and its own premium. Most Medicare Advantage plans already include drug coverage.

A federal program, also called the Part D Low-Income Subsidy, that pays most Part D premiums, deductibles, and drug copays. People who get Medicaid, SSI, or a Medicare Savings Program qualify automatically.

Oregon Health Plan programs that pay Medicare costs for people with limited income. Oregon has no asset limit for these programs, so your savings do not count.

Qualified Medicare Beneficiary (QMB) pays Part A and Part B premiums, deductibles, and coinsurance. Specified Low-Income Medicare Beneficiary (SLMB) pays the Part B premium. Qualifying Individual (QI), called the SMF benefit in Oregon, also pays the Part B premium, but the state can serve only a certain number of people each year and must close enrollment when it reaches that limit. Qualified Disabled and Working Individual (QDWI) pays the Part A premium for disabled workers. Most people in Oregon use the Employed Persons with Disabilities program instead.

Monthly income for retired workers, based on what you earned during your working years. You can spend it on anything, including assisted living. You need at least 40 work credits, which is about 10 years of work. Benefits can start at 62, and the monthly check is larger if you wait until full retirement age or later.

A monthly federal payment for people who are 65 or older, blind, or disabled and have very little income and savings. Getting SSI usually qualifies you for Medicaid as well.