When families begin exploring home care, one of the first questions is: how will we pay for this? With the majority of long-term care not covered by Medicare, Private Pay home care remains a common and flexible solution. Read more to learn how Private Pay differs from Medicare and how to afford Private Pay.
What Is Private Pay?
Private Pay means the family or individual pays for care out-of-pocket. This might include income, savings, retirement accounts, or assets.
What Does It Cost?
The average rate for private-pay home care in New England ranges from $35–$45 per hour. This varies based on services, frequency, and level of need.
Some funding options to help afford Private-Pay include:
- Savings and retirement accounts
- Pensions and annuities
- Life insurance conversions
- Long-term care insurance policies
- Reverse mortgages
- VA Aid and Attendance benefits
What’s the Difference from Medicare/Medicaid?
Medicare typically covers skilled, short-term care only. Medicaid may offer support, but often with eligibility restrictions. Private pay offers flexibility and immediate access to care.
Why Choose Abernathy for Private Pay Care?
Families choose us for personalized attention, flexibility, trusted caregivers, and local support. We’ll walk you through payment options and create a care plan that fits your needs.