Home care shaped around your family—not a program authorization.
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.
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.
Private pay does not mean care begins instantly or that every requested schedule is available. It removes the need for Medicaid or another public program to authorize the service, while SILK still carefully evaluates care needs, travel, timing, home conditions, caregiver fit, and staffing.
- 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 direct path from concern to a responsible plan.
Tell us what changed
Describe the person, home, location, daily needs, preferred hours, urgency, and what the family is doing now.
Clarify cost and fit
SILK discusses current rates, minimum scheduling expectations, payment terms, tasks, travel, timing, and realistic availability.
Confirm before care starts
If the fit is responsible, SILK completes assessment, agreement, care planning, caregiver matching, and schedule confirmation.
No buried promises. Get the exact terms before deciding.
Current SILK rates
Call for current hourly rates, visit minimums, 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?
Not automatically. Private pay removes the program-authorization step, but SILK still must confirm the care needs, location, home environment, agreement, schedule, caregiver fit, and reliable staffing before promising a start date.
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?
Minimums may apply and can vary by location, schedule, service, and staffing realities. SILK will explain the current minimum arrangement before the family commits.
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.
You do not need permission to ask what help would make life safer.
Tell Susan or Ehren what has changed, which hours are hardest, and what the family needs. You will receive a clear discussion of private-pay options, current pricing, and realistic availability.
Founded and 100% owned by Susan Lowers, BSW · Locally operated in Southern Ohio