Pricing & Payment Options
Quality care your family can feel good about — and afford.
Starting at $4,000 Per Month
Straightforward pricing with no surprises. Our monthly rate starts at $4,000 and varies based on care level.
Your rate covers everything — room, meals, personal care, activities, medication management, and 24/7 supervision. One payment, no hidden fees.
We work with each family to provide a personalized quote based on your loved one's needs.
Everything Included in Your Monthly Rate
No hidden costs. No surprise charges. Just complete peace of mind.
Private or Semi-Private Room
A comfortable, furnished room in our warm, homelike setting with all linens and housekeeping included.
Three Home-Cooked Meals Daily
Nutritious, delicious meals prepared fresh each day, plus snacks. Dietary needs and preferences accommodated.
Personal Care Assistance
Compassionate help with bathing, dressing, grooming, toileting, and all activities of daily living.
Medication Management
Careful administration and monitoring of all medications by trained staff, with physician coordination.
24/7 Supervision & Security
Around-the-clock staffing so your loved one is never alone. Always someone there who knows and cares for them.
Activities & Social Programs
Meaningful daily activities, social engagement, outings, and programs tailored to each resident's interests.
Laundry & Housekeeping
Full laundry services and daily housekeeping so your loved one can focus on enjoying their day.
Dementia & Memory Support
Specialized, patient care for residents with Alzheimer's and other forms of dementia, included in the monthly rate.
Companionship & Community
Your loved one is never isolated. They're part of a small, close-knit family with caregivers who know them by name and neighbors who become friends.
Payment Options
More ways to pay than most families realize. We'll help you explore every option.
Private Pay
Pay directly using savings, retirement income, Social Security, pension, or family contributions.
Long-Term Care Insurance
May cover all or part of the monthly cost. We help you understand your policy and file claims.
Veterans Aid & Attendance
Up to $2,431/mo for eligible veterans and surviving spouses. We guide you through the application.
Medicaid / MAC Program
Maryland's MAC program helps eligible residents cover assisted living costs. We accept Medicaid.
Life Insurance Conversion
Convert an existing policy into a benefit that pays for care now, while your loved one can benefit.
Elder Care Financing
Bridge loans and financing to cover costs while waiting for benefits or selling a home.
Not sure which option is right for you? Call us at 443-880-6255 — we'll walk through it together.
Assisted Living vs. Home Care: The Real Numbers
When you add up the true cost of care at home, assisted living is often the more affordable and safer option.
| What's Included | Home Care | Chesapeake Cottage |
|---|---|---|
| 24/7 Supervision & Safety | ✕ Only 8-10 hrs/day unless you pay $10K+/mo | ✓ Included — staff on-site around the clock |
| Three Meals + Snacks | ✕ You buy groceries & cook or pay extra | ✓ Included — home-cooked daily |
| Personal Care Assistance | ✕ $4,500-$6,000+/mo for part-time aide | ✓ Included |
| Medication Management | ✕ Extra cost or family responsibility | ✓ Included |
| Housekeeping & Laundry | ✕ Hire separately or do it yourself | ✓ Included |
| Social Activities & Companionship | ✕ Often isolated at home alone | ✓ Included — daily activities |
| Home Modifications | ✕ Grab bars, ramps, stair lifts — $5K-$20K | ✓ Already set up & safe |
| Emergency Response | ✕ Extra system + monthly fee | ✓ Staff always present |
| Estimated Monthly Cost | $4,500 – $15,000+ | Starting at $4,000 |
For the cost of part-time home care, your loved one gets comprehensive 24/7 care — and you get peace of mind.
Not Sure What You Can Afford? Let's Talk.
Every family's situation is different. We'll sit down with you, understand your needs, walk through your options, and give you a clear, honest picture of the costs — with absolutely no pressure. The conversation is free, and it might just put your mind at ease.