Private Pay & Long-Term Care Insurance.
Living Care is a private pay practice and we also accept long-term care insurance. We do not accept Medicare or Medicaid. This model keeps our practice responsive, fully customized, and focused on your family instead of a public reimbursement cycle.
Private Pay
Direct payment by the family or a trust. The fastest, most flexible option.
Long-Term Care Insurance
We work with most LTC carriers, including reimbursement and indemnity policies. We will help you file claims.
Medicare & Medicaid
We do not participate in Medicare or Medicaid. If those are your only payment source, we can refer you to agencies that do.
Six things a direct-pay model unlocks.
Fast Start of Care
No Medicare eligibility review, no Medicaid waiver queue, no weeks-long prior-authorization. Care can begin within 24-48 hours of the first call, or on whatever timeline your family prefers.
No Denials or Rationed Hours
Public programs dictate what you get, how often, and for how long. Our model gives the family full control over scope, schedule, and duration. Nothing is denied, and nothing is rationed by a third party.
Fully Customized Care
Your care plan is built around your loved one's exact needs and adjusted anytime. There are no program restrictions dictating what is or is not covered.
Consistent, Hand-Picked Caregivers
Programs tied to reimbursement cycles often mean rotating caregivers and staffing churn. We assign a small, consistent team chosen for personality and skill fit.
Focus on Care, Not Paperwork.
Government-funded home care spends a large share of its time on authorizations and documentation. We spend that time on actual care and communication with families.
Proactive, Not Reactive
Public programs typically approve care only after a decline has already happened. Families who start with us early can prevent hospitalizations and preserve independence longer.
Ready to start a conversation?
Care can begin in 24-48 hours. Request a private consultation, no obligation. If you have long-term care insurance, our intake team will walk you through how we bill against it.
Request a Consultation