Private Pay Home Care
Private Pay Home Care in West Tennessee
Direct-contract in-home care for Memphis, Jackson, and the surrounding West Tennessee counties. No insurance approvals, no Medicaid eligibility — care can start within days of a free in-home assessment.
When a parent falls or a spouse's decline hits a wall, insurance timelines can't keep up. You need care starting this week — not after a 30-day authorization. Private pay home care is the answer when the right time to start is now.
Why families choose Resource One for Private Pay Home Care
Start within days — no insurance paperwork, authorization delays, or Medicaid waitlist
Free in-home assessment and written care plan before any commitment
Flexible scheduling — a few hours a week through around-the-clock care
Bonded, insured caregivers with 10-year background checks and registry screening
Community-based caregiver model — your caregiver lives near you, which means consistent assignments and lower turnover
PSSA-licensed home care agency serving West Tennessee since 2007
What we provide
- ✓Personal care (bathing, grooming, dressing, mobility, toileting)
- ✓Medication reminders and supervision (we remind and observe; we don't administer)
- ✓Light housekeeping, laundry, and meal preparation
- ✓Transportation and escort to medical appointments
- ✓Companionship and engagement
- ✓Non-medical Alzheimer's and dementia care — supervision, structured engagement, safety
- ✓Non-medical recovery support after surgery, hospitalization, or a fall — personal care, supervision, and errands; we coordinate with your home-health nurse for clinical needs
- ✓Flexible scheduling from a few hours a week through 24-hour care
Who qualifies
Anyone needing professional home care for themselves or a loved one — no insurance, no program enrollment, no income or asset test required. Private pay is also the right fit when families need to supplement existing TennCare or VA hours, or pay for services those programs don't cover (extended hours, weekends, specialty support).
How to start
Call our Memphis office at (901) 751-7466 or Jackson at (731) 554-0841 to schedule a free in-home assessment.
Review the written care plan and rate quote with your family — no obligation to proceed.
Services begin within days of plan approval, on the schedule you choose.
Common questions about Private Pay Home Care
How much does private pay home care cost?
Private pay rates depend on the care plan we build with you — care needs, shift length, schedule, and location all affect the quote. We provide a free in-home assessment with no obligation, and you'll have a written rate quote before services begin. Most West Tennessee families find private pay home care more affordable than assisted living or a nursing facility.
How fast can private pay home care actually start?
Private pay services typically begin within days of the free in-home assessment. We don't wait on insurance authorizations, so your start date is driven by your schedule and caregiver availability — not a prior-auth queue. Many families schedule the assessment in the morning and have a written care plan that afternoon.
Is private duty home care the same as private pay home care?
Yes — in most of the home care industry, "private duty home care" and "private pay home care" mean the same thing: non-medical in-home care contracted directly with the agency and paid out of pocket (or through long-term care insurance), without going through Medicare or Medicaid. Resource One uses both terms. The services, caregivers, and start timeline are identical.
Can I switch to TennCare, VA, or long-term care insurance later if I qualify?
Yes. Many West Tennessee families start with private pay to get care in place immediately, then transition to TennCare CHOICES, VA Community Care, or long-term care insurance once they're approved. Because Resource One is credentialed across all three TennCare MCOs, the VA Community Care Network, and most LTC insurance carriers, we handle the transition without a gap in care.
Will it be the same caregiver every visit?
We prioritize consistency. Our community-based caregiver model — caregivers working near where they live — materially reduces turnover. For longer-term schedules we aim to keep the same small team of caregivers on the rotation rather than rotating new faces in.
What happens if a caregiver doesn't show up?
Each office has an on-call line staffed 24/7 — Memphis (901) 590-6688, Jackson (731) 214-1731. A missed visit gets a same-day replacement caregiver or an immediate schedule adjustment, never a no-show.
Do you serve Memphis, Jackson, and the smaller West Tennessee cities?
Yes. From our Memphis (Cordova) office we serve Shelby, Tipton, and Fayette counties — including Memphis, Germantown, Bartlett, Collierville, Arlington, Cordova, Lakeland, Millington, Covington, Munford, and surrounding areas. From Jackson we serve Madison plus 17 West Tennessee counties — Dyersburg, Union City, Martin, and the rural communities around them.
Related services
Ready to move forward with Private Pay Home Care?
We'll walk you through options, timelines, and funding — whether it's in this conversation or after a free in-home assessment.