Personal Care Assistance
- Bathing, dressing, and grooming
- Mobility and transfer assistance
- Medication reminders
- Toileting and incontinence care
Private pay means you fund home care directly — no Medicaid enrollment, no eligibility review, no waiting. Care starts within days. You choose the caregiver, set the schedule, and change either anytime. Cottage Home Care Maryland charges $30–$36 per hour for non-medical care. Many families use private pay while a Medicaid application processes, then switch to CFC once approved. We handle that transition.
5-Star Reviews
1992
Established · 30+ years
Licensed
Bonded & Insured
15,000+
Caregivers
23+
States served
5.0Google Reviews
500+
Maryland families served
24
Counties covered
Simple process
Less formal than public programs. Four steps to start care.
Tell us about your care needs and schedule. We provide a transparent hourly estimate on the call.
We match you with a caregiver and build a plan around your routine, preferences, and home.
You review and sign a clear service agreement — no hidden fees, cancel anytime.
Care can start within days, often faster than Medicaid enrollment timelines.
Since private pay isn't an insurance program, you can fund a wide variety of care needs.
Non-medical help with daily activities like bathing, meal preparation, and household chores — the kind of support standard health insurance rarely covers.
Room and board costs in assisted living are usually paid from personal income or assets unless a specific Medicaid waiver applies.
Supervision and companion programs during the day, typically paid privately unless subsidized by a public program.
Direct payment for medical visits, elective procedures, or specialist care when you choose not to bill insurance.
What's included
Real stories from patients and caregivers who chose Cottage Home Care Maryland
“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.”
Maria Sanchez
“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.”
James Lee
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
Cottage Home Care Maryland serves families statewide. Select a county to view local programs, service areas, and enrollment support.