Private Pay for Seniors


A 1997 survey conducted for AARP found that more than three-fourths

(76 percent) of the people age 50 and older would prefer to manage their own home care services rather than receive services managed by an agency.

Consumer Directions makes it an easy option for older adults who are at risk of assisted living or nursing home placement and who want to direct their own care in their own home.  We serve individuals who are currently on the Elderly Waiver and Alternative Care program, however, we also serve those who are not MA (Medical Assistance) eligible and who want to live well at home, while being able to track the cost for care as they "spend down" to qualify for MA.

This program is called "Consumer-Directed Services".  This service model gives individuals the choice, freedom, flexibility, and control over their workers and financial resources in order to develop and self-direct their services and supports.

Our Fiscal Intermediary Services provide a cost effective way for older adults to pay privately for non-agency workers to come into their home to provide them the help they need, rather than paying a home care agency's overhead.  You hire workers you know and trust, including family members; you set their hourly wage; and we will process the payroll, pay the taxes, and provide worker's compensation coverage.

Grant funds are available for seniors that meet certain qualifying guidelines.


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