Private Pay Services
Flexible care options paid directly through your personal funds, giving you choice and control over your services.
What is "Private Pay"?
A flexible alternative to government programs and insurance.
"Private pay" means you pay directly for services using your own funds—such as savings, income, retirement accounts, or other personal resources—instead of relying on a government program (like Medicaid) or a private insurance plan.
Who Uses Private Pay?
Typically, individuals choose private pay when they:
Do not qualify for Medicaid or other public coverage.
Have insurance but choose to pay out-of-pocket (e.g., to avoid high deductibles or use out-of-network providers).
Require services not typically covered by insurance, such as non-medical home care or companion help.
Services Commonly Covered
Since private pay is not an insurance program, you can fund a wide variety of care needs.
Home Care & Private Duty
Non-medical assistance with daily activities like bathing, meal preparation, and household chores, which are rarely covered by standard health insurance.
Assisted Living
Room and board costs in assisted living facilities are usually paid from personal income or assets unless you qualify for specific Medicaid waivers.
Adult Day Services
Supervision and companion programs during the day, often paid privately unless subsidized by public programs.
Medical Services
Direct payment for medical visits, elective procedures, or specialist care when you choose not to bill insurance.
Eligibility & Financials
No Formal Criteria
There are no strict eligibility rules for private pay because it is based on your personal choice and financial ability rather than government criteria.
Payment Sources
You can fund your care using:
Personal Savings & Income
Retirement Accounts
Veterans (VA) Benefits
Long-Term Care Insurance
How to Arrange Private Pay
The process is less formal than public programs. Follow these steps to get started.
Discuss & Estimate
Ask the provider for a price estimate. For medical care, providers are often required to give a "good faith estimate" for self-pay patients.
Negotiate Terms
Ask about cash-pay discounts or payment plans. Some providers may offer lower rates if you pay upfront or agree to a schedule.
Agreement
Always get a written service agreement that lists the specific costs and schedule before services begin.
Services Covered
Personal Care Assistance
- Bathing and hygiene
- Dressing assistance
- Grooming help
- Medication reminders
- Mobility assistance
Household Support
- Meal preparation
- Light housekeeping
- Laundry services
- Grocery shopping
- Transportation assistance
Frequently Asked Questions
Discuss Your Care Options Today
We can help you determine the best payment path for your needs.