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Cost & Coverage

Paying for Care, Explained Simply

Cost shouldn't be a mystery, and it shouldn't stand between your loved one and safe, dignified care. Here's a clear look at how families pay for in-home care with us.

Licensed, bonded, and insured
Serving DuPage, Kane, Kendall, and Northern Cook counties
Your Options

Three Ways to Pay for Care

Many families combine more than one option. We'll help you figure out what applies to your situation, at no cost.

Medicaid In-Home Services

Eligible seniors enrolled in Medicaid may receive In-Home Services at no cost, based on eligibility and assessed need.

  • Help understanding eligibility
  • Guidance through assessment and approval
  • Carefully selected, supervised caregivers
  • No-cost consultation to get started

Private Pay

Flexible, transparent hourly and package rates with no long-term contracts required.

  • Clear hourly rates, no hidden fees
  • Scale hours up or down as needs change
  • Care scheduled around your routine
  • Simple, itemized billing

Long-Term Care Insurance

We work with long-term care insurance companies to help you file, document, and manage claims.

  • We review your policy with you
  • Detailed documentation for claims
  • Direct coordination with your carrier
  • Ongoing support through renewals
The same great care, whoever is paying

Care for Every Family We Serve

Whether you pay privately or your care may be covered, you get the same caregivers and the same standard of care.

Private Pay

Open to any adult who needs help at home, with flexible hours and no long-term contract. We can usually begin care within 48 hours, or later if you'd like to meet your caregiver first.

Get a Free Care Assessment

Care That May Be Covered

Eligible seniors enrolled in Medicaid may receive In-Home Services at no cost, based on eligibility and assessed need. We can check, for free, whether your loved one may qualify for covered care or insurance benefits.

See If You Qualify
Smiling caregiver in navy scrubs hugging a happy senior woman with curly gray hair outdoors among green trees.
No pressure, no obligation

Understand Your Options Before You Decide Anything

A care coordinator will sit down with you, explain what applies to your family in plain words, and give you an exact cost. Whether you start care with us afterward is entirely up to you.

Get a Free Care Assessment

Common Questions

Payment & Coverage FAQ

Straight answers to the questions families ask us most about cost and billing.

How much does in-home care typically cost?
Private-pay rates depend on the level of care, hours needed, and schedule. Personal Care and Companion Care are billed hourly, while 24/7 Care & Support is priced as daily or weekly packages. Eligible seniors enrolled in Medicaid may receive In-Home Services at no cost, based on eligibility and assessed need. We'll provide an exact quote after your free in-home assessment, with no obligation.
Is there a long-term contract?
No long-term contract is required. We'll help you find a starting schedule, and hours can flex up or down as needs change.
Do you accept long-term care insurance?
Yes. We work with long-term care insurance companies, help you review what your policy covers, and handle the claim paperwork for you.
How does Medicaid coverage work?
Eligible seniors enrolled in Medicaid may receive In-Home Services at no cost, based on eligibility and assessed need. An assessment determines eligibility and how many hours are approved. Our team will explain the process in plain words and help you through it.
Will I get a written, itemized bill?
Yes. Every family receives a clear, itemized statement showing hours worked, rate, and any adjustments, so there are no surprise charges.
Can payment sources be combined?
Often, yes. Many families combine private pay with long-term care insurance. We'll review your situation and help you coordinate every available option.

Looking for something else? See all frequently asked questions

Let's Talk Through Your Options

Our team can check whether your loved one may qualify for covered In-Home Services, review your insurance, and walk you through exact costs. No pressure, no obligation.

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