Private Pay

Paying for Home Care Services with Private Funds

For people who do not have Long Term Care Insurance or qualify for veterans benefits or other available community resources to pay for personal care/private duty care, private pay may be the only option available.

Following are the private pay sources available:

  • Life Insurance Policy.  Some Life Insurance Policies will allow you to use up to 50% of the policy’s value to pay for personal care/private duty services.
  • Reverse mortgage.reverse mortgage is a loan for senior homeowners that allows borrowers to access a portion of the home’s equity and uses the home as collateral.  The loan generally does not have to be repaid until the last surviving homeowner permanently moves out of the property or passes away.
  • Social Service Benefits. The Michigan Choice waiver program provides Medicaid-covered long term care services and supports in a home or residential setting for individuals who meet the medical/functional criteria for nursing facility level of care. Services are provided through MI Choice waiver agencies.
  • 401K.  There are some ways in which individuals can access their retirement funds early that can free up cash flow to pay for personal care/private duty services.
  • Accumulated Saving. Families how exhaust other payment options will turn to saving to pay for care for a loved on.

Your Trusted Source for Quality In-Home Care Services

Caregiving Experts assist families explore all the payment options available. We work to customize a plan of care to meet your budget.  In certain situations, we offer payment methods to assist eliminate stress.   It is our honor and privilege to provide home care services to our families and their loved ones throughout Southeast Michigan including Wayne County, Oakland County and Macomb County. We provide our home care, senior care and dementia care services to residents of Plymouth, Livonia, Canton, Novi, Farmington, Commerce Twp., Bloomfield, Southfield, Royal Oak, Troy, Rochester Hills, Clinton Twp., Warren, Grosse Pointe, Dearborn, Allen Park, and White Lake to name a few.

Complimentary In-Home Care Needs Evaluation

When you are faced with the challenge of finding an in home care provider to help care for the emotional and physical well being of someone you love, maybe your mom or dad, you will be faced with many questions.

Making the decision about in-home care for a loved one is never easy, but finding the right answers can help you feel more comfortable with the options available and confident in your final decision. That’s why Caregiving Experts provides prospective clients and their families with a complimentary, no obligation in home care needs assessment.

In our meeting, we will thoroughly discuss your care needs and work with you or your loved one to determine how best to meet your requirements. After evaluating your home care goals we will have a better understanding of your loved ones physical, emotional and cognitive needs and will work with you to create a personalized plan of care.