Planning & Costs

Money is an important part of any decision on long-term care. Your top priority will be to get the best care for yourself or a loved one. But for most people, costs and how you’re going to pay them are a major consideration.   

Please feel free to get in touch with our advisers to discuss your needs. 

Costs of care

Our home care fees cover your entire service, including the arrangement, delivery and management of your care. As the care is given in your own home, there’s no need to pay for accommodation – all your fees go towards receiving a high-quality service. 

The exact cost of your care will depend on your needs. To work out your needs, we visit your home and conduct a full, no-obligation assessment. You can consider your options once the cost is confirmed.  

Funding options for live-in care

There are four main options for funding long-term care: 

  • Local authority funding – everyone is entitled to have their long-term social care funded by their local authority. However, it’s means tested, which means that the local authority will assess your financial assets to see if you’re eligible for funding. 
  • NHS Continuing Healthcare is for people with complex healthcare needs, and is arranged and paid for by the NHS. Eligibility is determined by an assessment, which means healthcare professionals look at your needs and recommend the level of care you should receive. 
  • Self-funding – if you don’t qualify for local authority or NHS funding, you will need to pay for your care yourself. Most people in the UK who need long-term care pay towards the cost of it. Self-funding options include using your pension and savings or releasing equity from your property. A member of your family can also arrange a financial policy to cover your care fees. 
  • State benefits – you may qualify for state benefits such as attendance allowance, personal independence payments, pension credit and council tax reductions. These probably won’t cover all your care fees but they can make a valuable contribution if you are self-funding. 

Costs of care at home versus a care home

It’s worth considering how much of the fees go towards care. In a care home, some of your fees are also used to cover your food and accommodation, and there can be extra charges for other services such as hairdressing, chiropody and hospital appointment support. 

With home care, a bigger proportion of your care fees go towards the one-to-one care you receive. And, of course, there’s the added advantage that you get to stay in your own home. 

Vitality Home Health - Planning & Costs of Home Care

More about what our fees cover

Our care fees have no hidden extras and there is no VAT to be added. Your fees won’t change other than for an annual inflation increase or unless your care needs change. 

Fees are paid weekly and monthly and cover: 

  • Fully managed care service – we employ, manage, train and develop our caregivers 
  • Caregiver holidays and sickness cover by highly skilled team members (no agency staff) 
  • Overnight care if needed 

Costs are consistent across England. 

Advantages of care at home

We provide a full care service, using caregivers recruited through a rigorous process. Agency staff are never used and we are accountable for your care, providing peace of mind for you and your family. 

Some other care providers introduce customers to a personal assistant, charging a one-off fee to cover the interviewing process and vetting. However, such assistants are not employed by the care provider and work on a self-employed basis. The person receiving care (or their family) is responsible for organising and paying for the personal assistants, including finding cover for holidays and sickness. 

As a managed care provider, Vitality Home Health looks after all aspects of your care, including sudden sick leave and holiday cover. We are also registered with the Care Quality Commission (CQC), which inspects providers to ensure standards of care are met. 

When selecting a care provider, we recommend you refer to CQC reports to determine the standard of care provided by the company.   

Specialist and respite care 

Home care is also suitable for specialist health conditions such as dementia, Parkinson’s and cancer, and for people who need respite care. We can help you arrange this care and advise you on funding options.  

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