Private pay home care provider with an elderly couple at home

Private Pay Home Care in Maryland — Start in Days, No Medicaid Required

Private pay means you fund home care directly — no Medicaid enrollment, no eligibility review, no waiting. Care starts within days. You choose the caregiver, set the schedule, and change either anytime. Cottage Home Care Maryland charges $30–$36 per hour for non-medical care. Many families use private pay while a Medicaid application processes, then switch to CFC once approved. We handle that transition.

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Simple process

How Private Pay Works

Less formal than public programs. Four steps to start care.

  1. Discuss & Estimate

    Tell us what you need. We provide a clear good-faith estimate for self-pay care.

  2. Custom Care Plan

    We match a caregiver and build a schedule around your needs and budget.

  3. Written Agreement

    A service agreement lists exact costs and schedule before care begins.

  4. Care Begins

    Your caregiver starts, with RN oversight and free plan adjustments anytime.

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.

What's included

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

What Maryland families say about private pay care

Real stories from patients and caregivers who chose Cottage Home Care Maryland

FAQ

Private pay means you pay for home care directly using personal funds — savings, income, retirement accounts, VA benefits, or long-term care insurance — rather than through a government program like Medicaid.

Yes. Many clients choose to pay privately to access non-medical home care services (like companion care or housekeeping) that standard health insurance does not cover, or to avoid high deductibles with an out-of-network provider.

Private pay home care through Cottage Home Care Maryland typically ranges from $30–$36 per hour for non-medical care. Costs vary by level of care, hours needed, and caregiver qualifications. Contact us at (667) 400-0648 for a personalized estimate.

Yes. Long-term care insurance (LTCI) policies often cover in-home care services. We can provide documentation to help you file a claim with your insurer. Contact us to confirm what your policy covers.

No. Medicare and Medicaid are government insurance programs, not private pay. Private pay refers exclusively to funding from your personal financial resources, separate from any government-funded program.

Private pay covers bathing, dressing, grooming, meal preparation, light housekeeping, laundry, grocery shopping, medication reminders, mobility assistance, transportation, and 24-hour live-in care options.

We can help you transition to a Medicaid-funded program. If you qualify for the CFC Program or Community Options Waiver, we will guide you through the application process at no cost to switch to covered care.

Ready to Discuss Your Options?

Prefer to talk now? Our care advisors are standing by.

Call (667) 400-0648
Statewide in Maryland

Counties We Serve

Community First Choice, Community Options Waiver, and Private Pay home care — available in every county below. Select yours to see programs and how we help local families.

24

Counties

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Not sure which program fits your family? Our advisors serve all 24 counties at no cost.

Call (667) 400-0648