What Medicaid pays home care agencies per hour for personal care, by state: how rates are set, 15-minute units, fee-for-service vs managed care, what caregivers actually earn from it, and the 80/20 rule. With a state table and a margin calculator.
Since 2015, home care agencies must pay caregivers overtime after 40 hours in a workweek. How the rule works, what counts as hours worked, and which states add daily overtime.
Build your private-pay hourly rate from caregiver wage, payroll burden, unpaid-but-paid time, overhead and margin. Worked example and national benchmarks.
Schedule recurring visits first, then backups, geography and a 40-hour check, then post open shifts. A repeatable weekly process with the overtime math.
Ten steps to open a non-medical home care agency, from services and state licensing to insurance, hiring, payers, systems and first clients, with real fees.
What replacing a caregiver costs, line by line with labeled assumptions, why 75% turnover means 19 hires a year for a 25-caregiver agency, and what reduces it.
A small agency needs scheduling, GPS check-in, timesheets, payroll export and invoicing in one tool, set up in days with no add-on fees. What to prioritize and skip.
DOL plans to let agencies use the companionship and live-in exemptions again. In states whose own law requires overtime for home care workers, nothing changes. How to check yours.
Published prices run from free on a general workforce app to flat tiers like $199 for up to 10 caregivers; many vendors only quote. How to compare total cost.
State program integrity units, Medicaid Fraud Control Units, MCOs and federal contractors all audit home care claims. The findings that cost agencies most, and a prep checklist.
Provider tax limits from October 2027, state-directed payment caps from 2028 and new rate transparency rules will move Medicaid home care rates. Where to look in your state.
From January 1, 2027, many Medicaid adults 19 to 64 must show 80 hours a month of work. Paid caregiving counts. Exemptions, proof and a free hours letter template.
Caregivers who work over 40 hours a week can deduct part of their overtime pay for 2026. Look for box 12, code TT on your W-2. Here is what it means and what to do.
From 2026 W-2s, agencies must report each caregiver's qualified overtime (the half-time premium only) in box 12, code TT. How to calculate it and what to check before January.
A living page of every state minimum wage, home care wage floor and Medicaid personal care rate change taking effect around January 1, 2027, updated monthly, with the notice deadline for private-pay rate letters.
What the One Big Beautiful Bill Act's Medicaid provisions mean for home care agencies and their caregivers: six-month eligibility redeterminations, community engagement (work) requirements that affect direct care workers who are themselves on Medicaid, and the retroactive coverage limit from January 1, 2027. With a client redetermination checklist and a caregiver guidance sheet.
Fifteen states raise their minimum wage on January 1, 2027, from Montana's $11.20 to Washington's $17.73, and New York raises its home care aide minimum. The new rates, and what each increase does to your bill rate.
Bill rate = loaded wage plus overhead, divided by one minus your margin. The formula, a quick table by wage, the payroll taxes behind it, and where shortcuts mislead.
Nine steps before January 1, 2027: find your new wage floor, update payroll, recheck overtime and payroll taxes, rerun your bill rate, check payer rates and give private-pay clients notice in time.
From January 1, 2027, New York home care aides must be paid at least $20.00 an hour in New York City, Long Island and Westchester and $19.00 in the rest of the state, even though the general minimum wage doesn't change.
Raise private-pay rates when costs rise, give at least 30 days' written notice (60 in Connecticut), explain the reason in one sentence. Sample letter included.
CMS-2442-F gives providers six years to put 80% of Medicaid HCBS payments into worker compensation. Here's what changes now versus what changes in 2030.
Record which ADLs the caregiver helped with, how much help the client needed, what was refused and any change in condition, using the same scale every visit.
In most states, yes. Caregivers must report suspected abuse, neglect or exploitation of older or dependent adults to Adult Protective Services. What to report, how fast, and what agencies should train.
CMS says EVV does not apply when caregiver and client live together, but states may still require it. Which states exempt, what to prove, what to keep.
Join the VA Community Care Network through Optum or TriWest, or sign a Veterans Care Agreement, to deliver Homemaker and Home Health Aide care to veterans.