PAYMENT OPTIONS
PRIVATE PAY (SELF PAY)
When your family wants help now, with no red tape and total flexibility, private pay is the fastest, simplest way to get professional care at home.
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Why Families Choose Private Pay
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Immediate Start: No waiting on approvals or program eligibility.
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Flexible Hours & Services: Increase, decrease, or pause care as needed.
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Personalized Care Plans: Built around your routines, not a program’s rules.
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Total Control: You choose the caregiver schedule, tasks, and level of support.
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Combine with Other Benefits: Many clients start privately while applying for Medicaid waivers, VA Aid & Attendance, or LTC insurance.
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What It Covers
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Typical private pay services include:
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Personal care (bathing, dressing, grooming)
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Medication reminders
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Alzheimer’s & dementia support
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Meal prep & light housekeeping
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Transportation & errands
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Companionship and safety supervision
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How Pricing Works
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Hourly Rates: Based on level of care and hours needed (ask us for a transparent quote).
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No Surprise Fees: You’ll receive a written service agreement outlining rates, visit minimums, and billing schedule.
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Payment Options
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Credit/debit card, ACH/bank draft
MEDICAID WAIVER PROGRAM
Indiana Medicaid Waiver (Home & Community‑Based Services)
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Indiana’s Medicaid waiver lets eligible seniors and adults with disabilities get care at home instead of in a nursing facility. It’s designed to keep people safe, independent, and supported in their own communities.
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Two Waivers After July 1, 2024
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Indiana reorganized its long-term care waivers:
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Health & Wellness Waiver – for individuals 59 and under
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Indiana PathWays for Aging Waiver – for individuals 60 and older
Both are part of Medicaid’s home- and community-based services (HCBS). ​
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Who Qualifies?
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To be eligible, a person must:
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Be aged, blind, or disabled
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Meet nursing facility level of care
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Live (or plan to live) in a non-institutional, HCBS-compliant setting
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Have income at or below 300% of the SSI maximum (parent income is disregarded for minors) ​
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What the Waiver Can Cover​
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Services are tailored to each person’s needs and may include help with activities of daily living (bathing, dressing, meals, medication reminders), housekeeping, transportation, companionship, and memory care supports.
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Structured Family Caregiving (Get Paid to Care)
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Under the waiver, Indiana offers Structured Family Caregiving (SFC)—a model where a participant lives with a primary caregiver who provides daily support and may receive a stipend.
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