Personal Care Assistance
- Bathing & showering
- Grooming & personal hygiene
- Dressing & undressing
- Toileting assistance
- Mobility & transfer support
- Incontinence care
Flexible Private Pay Care
Care on Your Terms.
No Waiting.
No Restrictions.
Private pay home care means you get exactly the care you need, when you need it — without insurance approvals, physician orders, or coverage limits. You choose the services, schedule, and duration.
- No Referral Required
- No Insurance Delays
- Start Within 48 Hours
- Fully Customizable
Start in as little as 48 hours
No waiting periods, no approvals
Benefits
Why Families Choose Private Pay
Private pay gives you total control over your care — no barriers, no limitations, no compromise.
Immediate Start
No waiting for insurance approval or physician orders. Services can begin within 24–48 hours of your first call.
Full Scheduling Flexibility
Choose hourly, daily, overnight, or live-in care. Schedule changes anytime to fit your evolving lifestyle.
No Coverage Limits
Unlike Medicaid, private pay has no episode limits, no caps on hours, and no restrictions on which services you receive.
Caregiver Continuity
Select and build a relationship with a consistent caregiver who knows your preferences, routines, and personality.
Complete Privacy
No insurance claims, no third-party oversight. Your care details stay between you, your family, and our team.
Total Service Choice
Access any service in our full care menu — companion care, housekeeping, errands, and more — with no insurance restrictions.
Full Service Menu
Every Service. Your Choice.
With private pay, you have access to our complete care menu — mix and match services to build the perfect care plan for your situation.
Companion Care
- Meaningful conversation
- Reading & activities
- Games & hobbies
- Accompaniment to appointments
- Emotional support
- Socialization programs
Homemaker Services
- Light housekeeping
- Laundry & linen changes
- Meal planning & preparation
- Grocery shopping
- Dishwashing & kitchen cleanup
- Home organization
Health & Wellness Support
- Medication reminders
- Vital sign monitoring
- Exercise & wellness activities
- Appointment scheduling
- Health journaling
- Provider communication
Transportation Services
- Medical appointments
- Pharmacy pickups
- Grocery & errands
- Social outings
- Family visits
- Community events
Respite & Family Relief
- Short-term relief for caregivers
- Overnight stays
- Weekend coverage
- Holiday care
- Emergency backup care
- Extended care vacations
Transparent Pricing
Honest, Transparent Pricing — No Surprises
We believe in clear, upfront pricing. Your care coordinator will provide a written, personalized quote before services begin — with no hidden fees or unexpected charges.
Hourly Rate Care
Perfect for a few hours of assistance per week. Minimum 2-hour visits. Ideal for personal care, errands, and companion visits.
Daily Care Packages
Set number of hours per day for consistent daily support — mornings, evenings, or full day. Best for clients needing regular assistance.
Overnight & Live-In Care
24-hour or overnight presence for clients who need continuous support or family members who need overnight peace of mind.
Custom Monthly Plans
Bundled monthly care packages offer the best value for ongoing, consistent needs. Discounts available for longer-term commitments.
What's Included in Every Plan
Always Included- Free in-home needs assessment
- Personalized written care plan
- Carefully matched caregiver
- Dedicated care coordinator
- Regular quality check-in calls
- On-call support 24/7
- Flexible schedule adjustments
- No long-term contracts required
Financial Assistance Options
Private pay clients may also be eligible for Veterans benefits (Aid & Attendance), Long-Term Care Insurance, MaineCare spend-down programs, or tax deductions for care expenses.
Ask about financial assistanceCare Packages
Choose Your Level of Support
Start with any package and adjust anytime. All pricing is custom-quoted based on your location, care needs, and schedule.
Most Flexible
Essential Care
2–10 hrs/week
Ideal for: Light weekly support
- Personal care assistance
- Companion visits
- Light housekeeping
- Medication reminders
- Errand assistance
Most Popular
Standard Care
10–30 hrs/week
Ideal for: Regular daily support
- Everything in Essential
- Daily personal care
- Meal preparation
- Transportation services
- Family care coordination
- Weekly care plan review
Full Support
Comprehensive Care
30+ hrs/week
Ideal for: Intensive or live-in support
- Everything in Standard
- Overnight or live-in option
- 24/7 on-call access
- Health monitoring
- Family caregiver relief
- Priority caregiver matching
Not sure which package is right? Call us — we'll build a custom plan together.
Testimonials
Private Pay Families Love the Freedom
"We chose private pay because we didn't want to wait for insurance approvals. Cottage Home Care had a caregiver at our door within two days. The flexibility has been incredible."
Susan M.
Daughter of client, Kennebunk, ME
"Mom needs more hours than Medicaid allows. Private pay let us customize her care perfectly — morning and evening visits, plus weekend companion care. Worth every penny."
Thomas K.
Son of client, Brunswick, ME
"The private pay option gave us complete control. We chose the services, picked the schedule, and even had input on which caregiver was assigned. Highly recommend."
Carol W.
Client, Portland, ME
FAQ
Private Pay Questions Answered
Get Started Today
Request Your Free Private Pay Consultation
Tell us your care needs and we'll build a custom plan and transparent quote — with no obligation.
Why Choose Private Pay?
- Start care within 24–48 hours
- No insurance approvals needed
- Any service, any schedule
- Consistent, matched caregiver
- No long-term contract required
- Full family transparency
Also accepting:
- MaineCare (Medicaid)
- Veterans Benefits (Aid & Attendance)
- Long-Term Care Insurance
- Medicaid (for skilled care)