How care begins
Care may be paid for privately, through a local-authority arrangement, with a direct payment, through NHS funding or through a combination of routes. We explain the proposed charges and responsibilities before asking anyone to agree to a service.
Who this is for
Self-funders, families, direct-payment users and representatives
What you will learn
Understand possible funding routes, what affects cost and what financial information will be provided.
Speak with us
0115 681 2514A self-funder pays MoreLoved Care directly under a service agreement. Following assessment, we provide the proposed visit pattern, current rates, any additional agreed costs, invoicing arrangements, payment terms, cancellation terms and review process.
A local authority may assess eligible needs and arrange or contribute towards support. The authority decides eligibility and financial contribution. MoreLoved Care cannot determine entitlement, but we can discuss a proposed package and respond to authorised referrals.
Where a person receives a direct payment or manages a personal budget, they may have more choice over the provider. The agreed package still needs to be affordable, safe and clearly contracted. The council or funding body can explain the person's responsibilities.
Some packages are funded wholly or partly by the NHS, including Continuing Healthcare or children and young people's continuing-care arrangements. The NHS or relevant integrated care body determines eligibility and authorises the package.
Cost may depend on visit length, number of staff, time of day, weekends or public holidays, travel or mileage where applicable, overnight model, required skills and the agreed tasks. Current prices are provided directly in the assessment and service-agreement process rather than relying on an undated website figure.
Staff must follow approved arrangements for shopping, cash, cards, receipts and the person's property. Care workers should not borrow, lend, accept inappropriate gifts, change financial arrangements or become involved in wills or private transactions.
Ask what is included, what may be charged separately, how changes are authorised, how invoices are checked, what happens if a visit is cancelled and who to contact about a billing question.
Answers
Current rates are provided directly during the enquiry and assessment process so the person receives the correct information for the proposed arrangement.
Yes. Private and direct-payment arrangements should be supported by written terms setting out the agreed service, rates, invoicing and responsibilities.
No. Funding eligibility and financial assessment are decisions for the local authority or NHS body.
Yes. The assessment should clearly record who is responsible for each task and what happens if informal support is unavailable.
Changes are communicated in writing in line with the service agreement and the approved notice arrangements.
Next step
Every enquiry begins with a conversation no commitment, no pressure.
