Private Pay
Start home care within days — no insurance, no waiting
Contract directly with Resource One. Skip insurance approvals, start after a free in-home assessment, and choose the schedule that fits your family.
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.
Why families choose Resource One for Private Pay
No insurance paperwork, no authorization delays — start on your schedule
Free in-home assessment and written care plan before services begin
Flexible hours — 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 for consistent assignments and lower turnover
What we provide
- ✓Personal care (bathing, grooming, feeding, mobility assistance)
- ✓Medication reminders
- ✓Light housekeeping and meal preparation
- ✓Transportation to appointments
- ✓Companionship and supervision
- ✓Alzheimer's and dementia care
- ✓Post-surgical and post-hospitalization recovery support
- ✓Flexible scheduling from a few hours to around-the-clock care
Who qualifies
Anyone needing professional home care — no insurance or program eligibility required. Private pay is also the right option for families supplementing existing program hours or for services not covered by other payers.
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 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
How much does private pay home care cost?
Private pay rates depend on the care plan we build with you — care needs, shift length, and schedule all affect the quote. We provide a free in-home assessment with no obligation, and you'll have a written quote before services begin.
How fast can care actually start?
Private pay services can typically begin within days of the free in-home assessment. We don't wait on insurance authorizations, so the start date is driven by your schedule and caregiver availability, not a prior-auth queue.
Can I switch to TennCare, VA, or LTC insurance later if I qualify?
Yes. Many families start 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. We handle the transition without a gap in care.
Will it be the same caregiver every time?
We prioritize consistency. Our community-based model assigns caregivers near the client's home, which reduces turnover. For longer-term schedules we aim to keep the same small team of caregivers on the rotation.
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. Missed visits get a same-day replacement caregiver or an immediate schedule adjustment.
Related services
Ready to move forward with Private Pay?
We'll walk you through options, timelines, and funding — whether it's in this conversation or after a free in-home assessment.