This sheet is for a family that has received a rate from an agency and wants to know what else will land on the bill. A quoted rate is one line from one page. The rest of the total sits in supplies, driving time, outside errands, and purchases that someone has to make during a visit. Each agency handles these lines differently, and the differences are easy to miss when you compare two quotes side by side. Nothing on this page is a price. It is a list of lines to find in writing before you compare anything.
Local option: New Plan Care gives families in the St. Louis area in-home help so a parent can stay home: companionship, help with bathing and dressing, meals, and overnight care. Call (314) 405-0887.
Sort the Supply Line
Ask who buys the everyday supplies that a visit uses up, such as disposable gloves, cleaning products, paper goods, laundry soap, and trash bags. Some agencies bill these as a separate line. Others fold them into the hourly rate. Some expect the family to keep a stock in the house and to be told when it runs low. Write down which of the three applies to the agency in front of you. If the answer is that the family keeps the stock, then restocking becomes a standing task on your side of the week, and it belongs on the check sheet as a family job with a named person.
Count the Driving
An aide who moves between two homes, or who drives a client to a store or a bank, adds time that is not the time spent inside the house. Ask three things. Is travel time between clients paid? Is mileage billed, and if so, at what stated basis? Does an errand count as part of the visit, or does it sit outside the visit and get billed as a separate block? An agency that answers all three in writing gives you a number you can check against the schedule. An agency that answers with the phrase it depends leaves the driving line open, and an open line tends to grow.
Ask Who Pays Back Out-of-Pocket Purchases
Sometimes an aide has to buy something on the spot, such as a replacement light bulb, a tube of ointment for a scrape that the family has already approved, or a small item the household ran out of mid-visit. Ask how these are handled. Some agencies require a receipt and a family sign-off before the purchase. Others let the aide buy and then bill it back on the next invoice. Neither approach is wrong, but you need to know which one you are signing up for, along with the rule for who holds the receipts and how long they are kept.
Find the Add-On Lines
Read the quote and the contract side by side and look for any line that begins with a word such as additional, extra, special, or as requested. These phrases often mark charges that are not part of the base rate. Ask the agency to list every add-on it currently uses, with the situation that triggers each one, and ask whether the family will be told before the charge appears. Keep that list with the check sheet so it can be compared to the invoice when the first one arrives.
What to Write Down Before You Compare
Make a single page with four headings: supplies, driving, purchases, and add-ons. Under each heading, write the agency's answer in its own words, the page or section where the answer appears, and the name of the family member who will check the first invoice against it. A quote that leaves any heading blank is incomplete, not cheaper. Two agencies with the same rate can end up with very different totals once these four lines are filled in.
Questions to Ask the Agency
Ask who stocks the supplies and whether the family is expected to replace them. Ask whether travel between clients and mileage are billed, and how each is measured. Ask how an unplanned purchase is approved, who keeps the receipt, and how it appears on the invoice. Ask for a written list of every add-on line the agency uses. Ask who the family should call if an invoice line is unclear, and how long the agency takes to answer. Write each answer down with the date it was given and the name of the person who gave it.
Questions about a person's health go to the family's doctor, not to the agency's billing desk. For a broader check on the agency itself, the page on how to check any home health agency in five federal lookups is a useful companion to this sheet.