Private Pay Services – Empowering You to Take Control of Your Care

Your Care, Your Choice

At CDChoices, we believe quality care should be accessible and flexible, even for those who do not qualify for Medicaid or other government programs. Our Private Pay Services allow individuals and families to hire and manage their own personal assistants (PAs), putting care control back into their hands.

Unlike traditional home care agencies, where caregivers are assigned to you, our Private Pay model allows you to choose your caregiver, whether it’s a family member, friend, or someone you find through our Workforce Recruitment Portal. We handle the administrative work, such as payroll and compliance, so you can focus on what matters most: getting the support you need, on your terms.

What is Private Pay?

Private Pay is an option for individuals who need in-home care but do not qualify for Medicaid or other government-funded programs. Instead of relying on state funding, you pay for services out of pocket with potential reimbursement from private insurance, giving you complete control over who provides your care, how much they are paid, and when they work.

With CDChoices, Private Pay is Simple:

  • You set the hourly wage for your personal assistant (PA).
  • You choose who provides your care: a family member, a friend, or a trusted assistant.
  • We handle payroll and taxes, so you don’t have to worry about administrative burdens.

What Can Personal Assistants Help With?

Your PA can assist with a variety of daily activities, including:

  • Personal Care – Help with grooming, dressing, bathing, and mobility support.
  • Household Tasks – Meal preparation, light housekeeping, and laundry.
  • Errands & Companionship – Grocery shopping, medication reminders, and social engagement.

Contact us today for personalized home care services!

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What Families Are Saying

“I am deeply grateful to the team at Consumer Directed Choices for their support, which has enabled me to live independently and stay engaged in my community. Their private pay program has been a lifeline, helping me navigate the challenges of high-level quadriplegia. Their responsiveness and dedication have been vital to my independence and employment opportunities.” – D. Whalen

Interested in Becoming a Personal Assistant?

CDChoices helps connect caring and qualified individuals with families who need assistance. If you’re interested in becoming a PA, enjoy:

  • Weekly Pay: Get paid every week for your work.
  • Flexible Hours: Work the schedule that best fits your availability.
  • Meaningful Impact: Make a direct impact in someone’s life.

Join our Workforce Recruitment Portal today!

Frequently Asked Questions About Private Pay

Private Pay services is an option for individuals who need in-home care but do not qualify for Medicaid or other government-funded programs. Instead of relying on state funding, you pay for services out of pocket or with the option to be reimbursed from your private insurance, giving you complete control of who provides your care, how much they are paid, and when they work.

Anyone who needs assistance at home can use private pay home care. This includes seniors, individuals with disabilities, and people recovering from illness or surgery. There are no medical or income eligibility requirements.

Private pay is typically funded out of pocket, meaning you or your family pay directly for services. However, in some cases, you may be reimbursed through long-term care insurance if your plan covers home care. Some individuals also use a pooled income trust to help manage payments, especially when qualifying for Medicaid benefits. It’s always a good idea to consult with your insurance provider or a financial advisor to understand all the available options.

Costs depend on the level of care needed, the number of hours of service, and pay rate you’d like to offer your caregiver. We provide a clear, upfront estimate so you know exactly what to expect.

Private pay home care is a flexible option designed to help individuals remain safely and comfortably in their homes. Services may include assistance with personal care (such as bathing, dressing, grooming, and toileting), companionship and emotional support, light housekeeping and laundry, meal planning and preparation, and transportation to errands, medical appointments, or social activities.

Yes, you can choose your own caregiver through private pay. However, if you’re seeking reimbursement from your insurance for private pay home care services, they may require certain criteria to be met, such as the caregiver having certification and passing a background check. If you’re choosing this route, it’s best to contact your insurance plan directly to confirm their eligibility requirements.

Ensuring the safety of your caregiver is an important part of a successful home care arrangement. When you hire through our private pay services, we provide workers’ compensation coverage for your caregiver. This protects them in the event of a work-related injury and gives you peace of mind as the employer.

Simply contact our team at 518-464-0810 and we will discuss your needs, answer your questions, and help you get the care you need.

Yes, caregivers can provide specialized assistance, including supervision, reminders, and creating a safe environment tailored to the needs of individuals with dementia or Alzheimer’s.

Private pay home care offers flexibility, so you can adjust or cancel services as your needs change. Just contact our office, and we’ll work with you to update your care plan.

Yes, private pay home care can complement other services such as skilled nursing, therapy, or adult day programs. Many individuals and families use private pay for non-medical support while coordinating medical care through separate providers to ensure comprehensive care at home.

Contact us about Private Pay services

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