How to Assess the Costs of Home Health and Private Duty Services

January 16, 2026

Before signing a contract with a home care provider, it’s important to have a clear understanding of the expenses and potential coverage options. By speaking with a home care manager, one can get a full explanation of services, costs, and insurance details. Here are essential questions to have ready during this conversation to ensure cost clarity and make an informed decision about home health and private duty.

Home Health Billing, Expense, and Insurance Questions to Ask a Home Care Manager

What services will be included in my plan? Can it be customized to me? Look for a provider who can customize care and services to individual needs, preferences, and goals. This ensures the cost of home health and private duty directly reflects wanted services.
What is the total cost associated with the services being recommended, and can you provide a detailed, written explanation of all fees? A line-by-line proposal breaks down the full financial commitment, so it is easy to understand.
For Home Health Care, will Medicare cover 100% of my costs, and what specific criteria must I meet to be an eligible beneficiary? For eligible beneficiaries who meet specific criteria and conditions, Medicare will cover 100% of home health care costs. A home care manager can help explain the eligibility rules.
What forms of payment do you accept (e.g., private pay, long-term care insurance, private insurance)? This confirms that preferred or available payment methods can be used.
Is there a minimum number of hours or days required? Are there any separate fees for initial assessments? Do you charge higher rates for services provided on nights, weekends, or holidays? Knowing if there is a minimum commitment or additional charges helps avoid unexpected or hidden fees. Accounting for any costs beyond hourly rate also gives a full picture of home health costs when comparing options.