Paying for Care
Three ways families pay for support.
Paying for Care
Three ways families pay for support.
Paying for Care
Three ways families pay for support.
Many families have more options than they realize. Here’s how paying for in-home support works in Maryland — and we’ll help you figure out where you fit, whether or not you end up working with us.
Maryland Medicaid
If you're enrolled in Maryland Medicaid, in-home personal assistance may be covered, typically at no cost to the participant, through Community First Choice (CFC) or Community Personal Assistance Services (CPAS). Approved hours are set by the State. Family members may be eligible to be paid caregivers.
Private pay
For families who want care now, more hours than a program allows, or scheduling flexibility that isn't tied to an approval process. Care can begin without waiting on eligibility, and all rates are disclosed in a written agreement.
Other funding
Long-term care insurance, veterans' benefits such as Aid and Attendance, some Medicare Advantage supplemental benefits, and trust or estate funds may help cover in-home support, depending on the policy or program. We'll help you gather whatever documentation an insurer needs from us.
Everyone we serve receives the same caregivers, the same standards, and the same respect regardless of how care is funded. Living Essence does not discriminate on the basis of race, color, national origin, religion, sex, gender identity, sexual orientation, age, disability, or source of payment.
How pricing works
Clear before you commit.
Private care is quoted after a no-cost in-home consultation, because the honest answer depends on hours, schedule, and the kind of help needed. What we can tell you up front:
- Rates are hourly, with a minimum visit length
- Weekend, overnight, and holiday hours are quoted separately
- Your written agreement lists every rate before care begins
- No assessment fees, no setup fees, no surprise charges
- Rate changes are communicated in writing, in advance
- No long-term contract
