Private-pay home care built around your family’s life.
Private-pay care gives families a direct way to arrange non-medical support around the person’s real schedule, priorities, and home. SILK offers clear guidance, thoughtful care planning, and flexible service options when location, needs, timing, and dependable staffing align.
No form. No call center. No pressure. Just text SILK.
More control over when, where, and how care is arranged.
Families often turn to private pay when help is needed now, when program-approved hours are not enough, or when they want services and schedules built more closely around daily life.
Without a Medicaid authorization step, families can begin the conversation directly with SILK. Together, we can explore the care needs, schedule, location, caregiver match, and dependable support that would make home feel easier.
- Choose priorities based on the family’s goals and SILK’s non-medical scope
- Consider shorter-term recovery care or ongoing weekly support
- Supplement family help or authorized services without changing those authorizations
- Adjust the plan as needs change, subject to staffing and agreed terms
Start care for the situation you actually have.
A fall, illness, or sudden decline
The family needs practical non-medical help while longer-term decisions, assessments, or benefit applications are still underway.
Hospital, rehabilitation, or surgery
Daily routines, meals, mobility, laundry, transportation, and supervision require more help than the discharge plan alone provides.
Reliable local support
Adult children live or work too far away to cover personal care, household routines, appointments, and regular check-ins.
Time to rest and remain family
A spouse or adult child needs dependable coverage for work, sleep, appointments, or simply recovering from sustained caregiving.
Support beyond an authorization
The person receives program-authorized care but the family privately purchases additional permitted services or time under a separate agreement.
Overnight or 24-hour schedules
Longer coverage is needed and the requested arrangement can be safely and reliably staffed.
Build support around the hardest parts of the day.
Services remain non-medical and are finalized through SILK’s assessment and care-planning process.
Personal Care
Respectful help with bathing, grooming, dressing, toileting, incontinence care, and other daily routines.
Companion Care
Conversation, reassurance, shared activities, errands, reminders, and a dependable presence.
Homemaking & Meals
Laundry, linens, dishes, light housekeeping, organization, meal preparation, and ordinary household continuity.
Post-Surgery Support
Short-term non-medical assistance during recovery after surgery, hospitalization, or rehabilitation.
Overnight Care
Nighttime reassurance and practical assistance when the person should not be left unsupported overnight.
24-Hour Home Care
Extended scheduling through coordinated caregivers when needs, location, arrangement, and staffing align.
A simple path from concern to confident support.
Tell us what changed
Describe the person, home, location, daily needs, preferred hours, urgency, and what the family is doing now.
Shape the right plan
SILK discusses the care, schedule, current rate, payment terms, and the four-hour-per-day and eight-hour-per-week minimum.
Prepare for a confident start
SILK completes the assessment, agreement, care plan, caregiver matching, and schedule confirmation with the family.
Clear answers help families plan with confidence.
Current SILK rates
Private-pay care is scheduled for at least four hours per care day and eight total hours per week. Call for the current hourly rate, holiday terms, overnight or extended-care pricing, deposits if applicable, accepted payment methods, and cancellation policies.
Long-term-care insurance
Some policies may reimburse qualifying non-medical care. The policyholder is responsible for confirming eligibility, covered services, documentation, waiting periods, and reimbursement requirements.
Public benefits and health insurance
Private-pay service does not mean Medicare, Medicaid/PASSPORT, VA, or health insurance will reimburse the family. Each payer determines its own eligibility and coverage.
Compare needs, schedules, and care options.
Home Care vs. Home Health
Understand the difference between daily non-medical help and ordered skilled clinical services.
Compare care types →Home Safety Assessments
Review falls, mobility, bathrooms, pathways, lighting, and household risks.
Explore home safety →Chronic Condition Support
Daily non-medical help for people living with long-term health conditions.
Explore daily support →Respite Care
Dependable relief for family caregivers who need time to work, sleep, or recover.
Explore respite →Senior Care Guide
Plain-English guidance for Southern Ohio families planning care.
Visit the guide →Contact SILK
Share the situation, location, schedule, and questions directly with SILK.
Start a conversation →Private-pay home care questions, answered clearly.
What does private-pay home care mean?
Private pay means the client or family purchases non-medical home care directly rather than waiting for a public program to authorize and pay for it. Services, rates, schedules, responsibilities, and payment terms are defined in the agreement with SILK.
Can private-pay care start immediately?
Private pay can move more directly because no program authorization is required. Susan or Ehren will discuss the needs, location, preferred schedule, caregiver match, and earliest dependable start SILK can offer.
How much does private-pay home care cost?
Rates depend on the requested service and arrangement. Call SILK for current hourly rates, scheduling minimums, overnight or extended-care pricing, holiday terms, deposits if applicable, and payment policies.
Is there a minimum number of hours?
Yes. SILK’s current private-pay minimum is four hours per scheduled care day and eight total hours per week.
Does Medicare pay for SILK’s private-pay care?
Medicare generally does not cover long-term non-medical care when that is the only care needed. Medicare home health is a different, skilled benefit with eligibility and coverage requirements. Confirm exact benefits directly with Medicare or the person’s plan.
Can we use long-term-care insurance?
Possibly. Policies differ. The family should ask the insurer whether non-medical home care is covered, whether an elimination period applies, what provider qualifications are required, and what invoices or care records must be submitted.
Can private pay supplement Medicaid/PASSPORT hours?
Potentially, through a clearly separate private-pay arrangement that does not duplicate or improperly bill authorized services. The family, case manager, administering agency, and SILK should keep schedules and payment responsibilities clear.
Can veterans hire SILK privately?
Yes, subject to SILK’s normal assessment and availability. However, SILK is not currently representing itself as a VA-authorized provider and does not promise that VA benefits will pay or reimburse the service.
Can SILK provide overnight or 24-hour private-pay care?
Potentially. These schedules require careful planning and multiple dependable caregivers. Availability depends on location, needs, requested arrangement, home conditions, caregiver fit, and confirmed staffing.
A better rhythm at home can start with one conversation.
Tell Susan or Ehren what has changed, which hours are hardest, and what the family needs. Together, we can explore private-pay options, current pricing, and a schedule that brings meaningful support home.
No form. No call center. No pressure. Just text SILK.
Founded and 100% owned by Susan Lowers, BSW · Locally operated in Southern Ohio