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Private pay home care provider with an elderly couple at home

Private Pay Home Care in Maryland — Start in Days, No Medicaid Required

When someone needs care, waiting isn't really an option. Private pay gets things moving. No Medicaid application, no eligibility review, no queue. Most families have someone in place within days.

You decide who comes into your home and when. If the schedule needs to shift or the caregiver isn't the right fit, you make the call.

Non-medical home care in Maryland runs $35 to $40 per hour. Cottage Home Care will look at what you actually need and make sure the plan fits your situation, not just a price range.

A lot of families start on private pay while their Medicaid paperwork is still in process, then move to CFC once it's approved. We handle that switch. You've already got enough on your plate.

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Simple process

How Private Pay Works

Less formal than public programs. Four steps to start care.

  1. 1

    Discuss & Estimate

    Tell us about your care needs and schedule. We provide a transparent hourly estimate on the call.

  2. 2

    Custom Care Plan

    We match you with a caregiver and build a plan around your routine, preferences, and home.

  3. 3

    Written Agreement

    You review and sign a clear service agreement — no hidden fees, cancel anytime.

  4. 4

    Care Begins

    Care can start within days, often faster than Medicaid enrollment timelines.

Services Commonly Covered

Since private pay isn't an insurance program, you can fund a wide variety of care needs.

Home Care & Private Duty

Non-medical help with daily activities like bathing, meal preparation, and household chores — the kind of support standard health insurance rarely covers.

Assisted Living Support

Room and board costs in assisted living are usually paid from personal income or assets unless a specific Medicaid waiver applies.

Adult Day Services

Supervision and companion programs during the day, typically paid privately unless subsidized by a public program.

Medical Services Coordination

Direct payment for medical visits, elective procedures, or specialist care when you choose not to bill insurance.

What's included

Services Covered

Personal Care Assistance

  • Bathing, dressing, and grooming
  • Mobility and transfer assistance
  • Medication reminders
  • Toileting and incontinence care

Household Support

  • Light housekeeping and laundry
  • Meal preparation
  • Grocery shopping and errands
  • Transportation to appointments

What Maryland families say about private pay care

Real stories from patients and caregivers who chose Cottage Home Care Maryland

  • Maria Sanchez: I'm proud to work with Cottage Home Care Maryland LLC. Whether I'm assisting a CFC client or a Private Pay family, the agency ensures we have the resources to provide top-notch care. It's a supportive environment for staff and patients alike.
  • James Lee: I needed flexibility, and the Private Pay options at Cottage Home Care Maryland LLC were perfect for my situation. The team was professional, transparent about costs, and provided a caregiver who matches my personality perfectly.

Private pay frequently asked questions

What Maryland families ask about private pay pricing, insurance, and covered services.

Private pay means you pay for home care directly using personal funds — savings, income, retirement accounts, VA benefits, or long-term care insurance — rather than through a government program like Medicaid.

Yes. Many clients choose to pay privately to access non-medical home care services (like companion care or housekeeping) that standard health insurance does not cover, or to avoid high deductibles with an out-of-network provider.

Private pay home care through Cottage Home Care Maryland typically ranges from $30–$36 per hour for non-medical care. Costs vary by level of care, hours needed, and caregiver qualifications. Contact us at (667) 400-0648 for a personalized estimate.

Yes. Long-term care insurance (LTCI) policies often cover in-home care services. We can provide documentation to help you file a claim with your insurer. Contact us to confirm what your policy covers.

No. Medicare and Medicaid are government insurance programs, not private pay. Private pay refers exclusively to funding from your personal financial resources, separate from any government-funded program.

Private pay covers bathing, dressing, grooming, meal preparation, light housekeeping, laundry, grocery shopping, medication reminders, mobility assistance, transportation, and 24-hour live-in care options.

We can help you transition to a Medicaid-funded program. If you qualify for the CFC Program or Community Options Waiver, we will guide you through the application process at no cost to switch to covered care.

Ready for private pay home care?

Speak with a care advisor now

(667) 400-0648

Private pay home care by Maryland county

Cottage Home Care Maryland serves families statewide. Select a county to view local programs, service areas, and enrollment support.