Paying for care

Insurance & payment options

The cost of care is one of the biggest questions families ask. Here's an honest overview of how families typically pay for adult foster care at AAA Shepherd's.

How families pay for care

There's no single "right" way to pay for adult foster care. Most families combine resources — long-term care insurance, retirement savings, Social Security, family contributions, and in some cases Medicaid. We're happy to walk through what makes sense for your situation, with no obligation.

Private pay

The most common option. Monthly rates depend on level of care needed. Call us for current pricing specific to your loved one's needs.

Long-term care insurance

If your loved one has an LTC policy, we'll work with you to understand coverage and submit documentation as needed.

Veterans benefits

The VA Aid & Attendance benefit can substantially help eligible veterans and surviving spouses cover care costs.

Medicaid

We can discuss Medicaid coverage and Oregon-specific options during your consultation. Coverage varies by case.

AAA Shepherd's Care Home in Dallas, Oregon
AAA Shepherd's — Dallas, Oregon

Hospice coverage

If your loved one enters hospice while in our care, hospice services themselves (nursing visits, medication, equipment, chaplain support) are typically covered by Medicare. Our base care rate generally continues unchanged during hospice — we'll talk through specifics with each family.

What's included in our base rate

Our base monthly rate covers: a private bedroom, three home-cooked meals a day plus snacks, 24/7 awake caregiving, medication administration, personal care assistance (bathing, dressing, grooming), laundry, housekeeping, transportation coordination for medical appointments, and family communication.

What costs extra

Most things are included. Additional fees may apply for highly specialized medical equipment, certain transportation (e.g., medical transport for distant appointments), or specific personal services outside our standard scope. We're transparent about anything beyond the base rate.

Let's talk specifics

Every family's situation is different. Pricing depends on level of care, room availability, and which of our two homes is the better fit. The best next step is to call us at (503) 400-1010 — we'll talk through pricing and answer specific questions.

Want to talk through pricing?

Call us — we'll walk through what care for your loved one would actually cost and answer any questions about payment options.

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