Don't Qualify for Medicaid
You're above Medicaid income limits but still need high-quality home care without facility placement.
Private Pay Home Care
Private Pay Home Care Services provides seniors and individuals with the support they need to live independently and with dignity.
Care Overview
Private Pay Home Care
A clear summary of what this service includes and who it supports — written for families making care decisions.
RN-led care team
Private pay home care from Cottage Home Care gives families complete control over who provides care, when visits happen, and exactly which services are included — without waiting on insurance authorizations, hour caps, or restricted service lists. You fund care directly, which means faster placement, broader service options, and the flexibility to increase hours as needs change. Cottage matches you with top screened caregivers for companion care, personal care, specialized support, or a custom combination tailored to your loved one’s lifestyle. An RN-led care team oversees every plan, ensuring quality and consistency even when you are paying out of pocket. Private pay is ideal when Medicaid does not apply, when you want premium scheduling flexibility, or when you need care to begin immediately. Cottage operates across 6+ states with transparent pricing conversations upfront — so you know what to expect before the first visit.
- No insurance waitlists
- Flexible hours & services
- Top screened caregivers
- Transparent pricing upfront
What Is Private Pay Home Care
Care on Your Terms
Private pay home care means you fund the care directly — giving you complete control over every aspect of the care plan. You're not limited by insurance authorizations, restricted service lists, or pre-approved hour caps.
This option is ideal for families who don't qualify for Medicaid, want care that exceeds what insurance covers, or need care to start immediately without waiting for approvals.
Private pay can be combined with long-term care insurance, veterans benefits, or other funding sources to reduce out-of-pocket costs.
Private Pay Advantages
Why Families Choose Private Pay Home Care
Private pay removes every barrier between your loved one and the level of care they deserve.
Fully Custom Care Plan
No predefined service lists. We build your care plan from scratch around exactly what your loved one needs with complete flexibility and attention.
Rapid Start — Often Same Week
No insurance pre-authorizations or waiting periods. Care can often begin within 24–48 hours of your call for immediate support.
Caregiver Selection
Meet multiple caregivers and choose the one that's the best fit — no assignment without your approval and full consent.
Premium Caregiver Matching
Access to our most experienced and highly-rated caregivers with specialized skills and certifications in professional home care services.
Flexible Scheduling
A few hours a week, daily visits, overnight care, or 24/7 live-in care — schedule changes anytime based on your needs.
Easy Plan Adjustments
Increase, decrease, or change services anytime as your loved one's needs evolve — no forms, no delays at all with complete flexibility and control.
Need Care to Start Immediately
A sudden change in condition, hospitalization, or family emergency requires care to begin right away.
Prefer to Stay Home
You want to avoid a nursing home or assisted living facility and prefer the comfort and familiarity of home.
Who Chooses Private Pay
Private Pay Is the Right Choice For You If…
Private pay gives families full control over scheduling, caregiver choice, and scope of care — without waiting on insurance or Medicaid eligibility.
Don't Qualify for Medicaid
You're above Medicaid income limits but still need high-quality home care without facility placement.
Need Care to Start Immediately
A sudden change in condition, hospitalization, or family emergency requires care to begin right away.
Prefer to Stay Home
You want to avoid a nursing home or assisted living facility and prefer the comfort and familiarity of home.
Want to Choose Your Caregiver
You want the ability to interview, select, and request specific caregivers rather than be assigned one.
Need More Than Insurance Covers
You need specialized services not typically covered by insurance — overnight care, live-in, or 24-hour support.
Want Specific Services
You need specialized services not typically covered by insurance — overnight care, live-in, or 24-hour support.
