Mama's Overpaying for Home Care Services. How to Have That Talk
- mohamed Mohd
- Nov 7
- 2 min read
It’s a difficult conversation to start, but a necessary one. You’ve made the decision to get help for your mother at home, and while you’re grateful for the assistance, the monthly cost is becoming a real concern. You’re left wondering: Are we getting our money’s worth?
That feeling is more common than you might think. Understanding how home care pricing works is the first step to finding a solution that brings peace of mind, both for your family and your budget.
Where Does the Money Go?
When a family pays a large agency $25-$30+ per hour, it’s natural to assume that the extra cost translates directly to a better caregiver. The reality of the business model is often more complex.
A significant portion of that fee goes toward operational costs that don't directly impact the care your mother receives. This can include large-scale marketing, corporate salaries, and franchise fees. In this structure, the caregiver providing the hands-on support is often paid a fraction of what the family is charged.
This isn't about pointing fingers; it's about understanding the dynamics. A high price tag doesn't always mean a premium experience for your loved one or the caregiver.
The Other Side of the Equation: The Independent Caregiver
To avoid high agency fees, many families consider hiring an independent caregiver. While this can seem like a more direct and affordable path, it comes with its own set of responsibilities that families often don’t anticipate.
When you hire independently, you become the employer. This means you are responsible for:
Managing payroll and withholding taxes.
Securing liability insurance in case of an accident in the home.
Arranging backup care if the caregiver is sick or unavailable.
The initial savings can sometimes be offset by this hidden "time tax" and financial risk.
Asking the Right Questions
The key to making a confident decision is asking informed questions. When evaluating care options, whether with a large agency or a smaller one, consider asking:
"Can you help me understand how your hourly rate is structured?"
"What is your plan for backup care if our regular caregiver isn't available?"
"How do you ensure consistency and quality in the caregivers you send?"
The answers to these questions can provide much-needed clarity.
Navigating home care choices is never easy. It’s a decision filled with emotion and a desire to do what’s best for your family. Being an informed consumer is the most powerful tool you have.
If you have questions about home care in the Atlanta area, please don’t hesitate to contact us. We’re here to help you understand your options.
(866) 753-1359
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