Higher-Income Consumers
“Private pay” consumers are individuals who don’t qualify financially for public programs. However, the vast majority of private pay consumers are not wealthy, and they often need assistance with wisely managing their available resources when purchasing long-term supports and services. Serving private pay consumers is a critical aspect of both Aging and Disability Resource Centers and Community Living Programs. ADRCs were envisioned to be a coordinated point of entry for persons of all income levels; CLPs are deliberately targeting people who are above Medicaid's financial threshold to prevent spend-down.
We invite you to explore the resources on this page about reaching and serving private pay consumers. We also encourage you to access the
peer-to-peer exchange if you would like to post a question or comment for response from other website users. You may also contact the Technical Assistance team at
adrc-tae@lewin.com.
Making the Long-Term Services and Supports System Work for People with Dementia and Their Caregivers 
Source: TAEStates serve a substantial number of people with dementia and their family caregivers in their Aging Networks and LTSS systems. Serving this population effectively involves accommodating the needs of a population that, in addition to memory loss, experiences a variety of physical, cognitive, and behavioral symptoms resulting from dementia, along with other medical conditions. In model dementia-capable systems, programs are tailored to the unique needs of people with Alzheimer’s disease or other dementias, and their caregivers.
(PDF) Caption: Making the Long-Term Services and Supports System Work for People with Dementia and Their Caregivers
(PDF) Caption: Dementia Capability Toolkit
Associated Date: November 2011 TAE Training Handouts: ADRC Overview Handouts
Source: Technical Assistance Exchange
This series of handouts was developed by the TAE to be distributed in conjunction with ADRC training sessions. Topics covered are an ADRC Overview, Options Counseling, Sustainability, Partnership, Social Marketing, Care Transitions, and Serving Private Pay Consumers. Grantees may find them useful for quick reference.
(PDF) Caption: ADRC Overview
(PDF) Caption: Options Counseling
(PDF) Caption: Partnership
(PDF) Caption: Private Pay
(PDF) Caption: Social Marketing
(PDF) Caption: Care Transitions
(PDF) Caption: Sustainability
(Word) Caption: ADRC Overview
(Word) Caption: Options Counseling
(Word) Caption: Partnership
(Word) Caption: Private Pay
(Word) Caption: Social Marketing
(Word) Caption: Care Transitions
(Word) Caption: Sustainability
Associated Date: May 2010
ADRC-TAE Issue Brief - Public and Private Partnerships
Source: ADRC-TAE
The Lewin Group completed several case studies on existing successful aging and disability public-private partnerships. The case studies describe the approach, implementation, and outcomes of each partnership as well as reported 'lessons learned.'
(Word)
(PDF)
Updated March 6, 2008
Opportunities for ADRCs to Strengthen the Home and Community-Based Direct Service Workforce
Source: The Direct Service Workforce Resource Center
The availability of trained direct service workers is threatened by dramatic increase in population age 65 and older and the growing demand for long-term services and supports (LTSS). This document explains why states and ADRCs need to focus on building their Direct Service Workforce to meet this growing demand.
(PDF)
Associated Date: December 2012
Connecting Older Adults and Persons with Disabilities with Personal Care Assistance: The Potential of ADRCs as Hosts for Publicly-Funded Matching Service Registries
Source: The Direct Service Workforce Resource Center
Several states are experimenting with solutions to help individuals who need long term services and supports connect with available workers. One approach is a publicly-funded matching service registry (MSR) that facilitates connections between qualified home care workers and individuals who self-direct their in-home services and supports. This document explains how registries can help match supply and demand, what the benefits of MSRs are for states and how to begin creating these registries.
(PDF)
Associated Date: December 2012
Assisting Private Pay Consumers Through ADRC Training Materials
Source: Nevada
This training, lesson plan, and pre/post test focus on how the Single Entry Point Service Systems of Nevada can and should serve Private Pay Consumers. It includes case examples.
(PDF) Caption: Slides
(PDF) Caption: Lesson Plan
(PDF) Caption: PrePost Test
Associated Date: October 2011
4 P's of Marketing to Private Paying Populations
Source: ADRC-TAE, The Lewin Group
This matrix shows an approach to thinking about marketing to consumers with the resources to pay for services privately. The 4 P's are Product, Price, Promotion, and Place.
(Word)
(PDF)
Associated Date: July 17, 2008
FAQs from December 2009 Training on Serving Private Pay Consumers
Source: Technical Assistance Exchange, Florida ADRC
Trainers from the December 2009 TAE Training on Reaching and Serving Private Pay Consumers compiled this list of Frequently Asked Questions and answers on the subject.
(Word)
(PDF)
Associated Date: December 2009
ADRC of Pasco-Pinellas Relationships with For-Profit Providers
Source: Florida ADRC
This description of the Area Agency on Aging of Pasco-Pinellas' relationships with for-profit providers was contributed as a resource to the TAE Training on Reaching and Serving Private Pay consumers.
(Word)
Associated Date: December 03, 2009
Recording of TAE Training: Reaching and Serving Private Pay Consumers
Source: Technical Assistance Exchange
This recorded webcast features the TAE Training on private pay, with representatives from Florida as the featured presenters.
(Internal Link)
Associated Date: December 03, 2009
TAE Training: Reaching and Serving Private Pay Consumers
Source: Technical Assistance Exchange
The ADRC network has not turned away people with higher incomes, but the common model of serving clients who pay minimally or not at all contrasts with a new paradigm of serving clients who can afford to pay for services. This training presents and promotes an introductory discussion about the transition to serving a broader income spectrum and identifies the issues, challenges, and rewards in making that transition.
(Internal Link)
(Powerpoint)
(PDF)
Associated Date: December 03, 2009
Long-Term Care Training Materials for State Health Insurance Assistance Programs
Source: The Long Term Care Group; Pullano, Mastrella and Lamb; and CMS
This page contains a series of training modules developed for State Health Insurance Assistance Program (SHIP) staff to familiarize them with a range of long-term care issues, including financing and long-term care insurance. Other programs may also find them helpful for reference.
(Internal Link)
Added September 25, 2009
"Use Your Home To Stay At Home" ~ A Planning Guide For Older Consumers
Source: NCOA
This resource is helpful for those who are planning to live at home as they grow older. It discusses the challenges of continuing to stay at home if you need help with everyday tasks, also known as "aging in place."� The booklet shows how home equity can strengthen retirement plans and can help elders manage their cash flow if their health declines. It shares some pros and cons of using a reverse mortgage and dispels common myths about reverse mortgages.
(PDF)
Updated August 12, 2009
Source: NCOA
This resource helps consumers decide if a reverse mortage is right for them. It explains how home equity can help pay the costs of living at home with a chronic health condition and discusses different long- and short-term financing options.
(PDF)
Updated August 12, 2009
Empowering Private-Pay Clients to Make Wise Financial Decisions for Long-Term Care: Use of Home Equity - Stucki and Greenberg Presentation
Source: ADRC TAE
Barbara Stucki and Jay Greenberg presentation for the Reverse Mortgages Workshop (2A) on July 13
(PDF)
(Powerpoint)
Associated Date: July 01, 2007
Reverse Mortgages Session - Notes - July 2007 National Meeting
Source: ADRC-TAE
These are the notes from the Reverse Mortgages session at the July 2007 ADRC National Meeting
(Word)
(PDF)
Associated Date: July 01, 2007
Private Pay Consumer' Long-Term Care Financing Decision - December 2007 Monthly Call Notes
Source: ADRC-TAE
The discussion on this call was about private pay consumers' long-term care financing decisions. Barb Stucki from NCOA presented about a variety of financial options for seniors, including reverse mortgages.
(Word)
(PDF)
Associated Date: December 06, 2007
Recording of Online Training - "Making a Profit in a Non-Profit World"
Source: Technical Assistance Exchange
The TAE Online Training Curriculum "Making a Profit in a Non-Profit World" has been recorded and archived for on-demand viewing. Participants can view the recording and take a short Post Test to qualify for 1.5 free CEUs through NASW.
(Internal Link)
Added July 27, 2009
Can You Say Private Pay - Presentation from 2009 n4a Conference
Source: Technical Assistance Exchange
This presentation on the topic of serving private pay consumers in ADRCs and other organizations was given by Sarah Lash (Lewin) and Bernice Hutchinson (NASUA) at the July 2009 National Association of Area Agencies on Aging (n4a) Conference in Minneapolis, MN.
(Powerpoint)
(PDF)
Associated Date: July 2009
Supporting the Information Needs of Private Paying Consumers
Source: National Association of State Units on Aging
This issue brief from NASUA examines the capacity of the aging network to provide information and assistance services to people who do not qualify for public programs. It reviews the results of a recent survey on this topic.
(Word)
(PDF)
Associated Date: June 2009
Making a Profit in a Non-Profit World Presentation from the April 24, 2009 Online Training on Serving Private Pay Consumers
Source: Robert Littke
This is Robert Littke's presentation entitled Making a Profit in a Non-Profit World. This presentation was used during the Online Training on April 24, 2009.
(PDF)
Associated Date: April 24, 2009
CPA Financial Literacy Resource Center
Source: The American Institute of Certified Public Accountants
This website includes information about the AICPA's Financial Literacy campaign and links to the AICPA's 360 Degrees of Financial Literacy website (http://www.360financialliteracy.org/) and the Feed the Pig (http://www.feedthepig.org/) website.
(External Link)
Associated Date: June 02, 2008
Marketing to and Serving Private Paying Consumers June 5, 2008 Call Presentation
Source: ADRC-TAE
This is the introductory/overview presentation call for the June 5, 2008 All Grantee Monthly TA call on serving private paying populations. It includes information about who private paying consumers are, why it is important for ADRCs to serve them, and provides some tips and resources for marketing to private paying Baby Boomers.
(PDF)
Associated Date: June 05, 2008
June 2008 Monthly TA Call Notes - Serving Private Pay
Source: ADRC-TAE, The Lewin Group
These notes summarize discussion from the June 2008 Monthly TA Call on Reaching and Serving Private Pay Consumers. The notes and presentation from the call include information about who private paying consumers are, why it is important for ADRCs to serve them, and provides some tips and resources for marketing to private paying Baby Boomers.
(Word)
(PDF)
Associated Date: June 05, 2008
Marketing To and Serving Private Pay Consumers - Presentation
Source: ADRC-TAE, The Lewin Group
This presentation about marketing to and serving private pay consumers was used on the July 17, 2008 Pilot Sites Peer Workgroup Call.
(Powerpoint)
(PDF)
Associated Date: July 17, 2008
Call Notes from Pilot Sites Workgroup Call on July 17, 2008
Source: ADRC-TAE, The Lewin Group
These call notes summarize discussion from the July 17, 2008 Pilot Sites Peer Workgroup Call. The topic of this call was FAQs and Strategies for Serving Private Pay Consumers.
(Word)
(PDF)
Associated Date: July 17, 2008
Fact Sheet: CMS’ Five-Star Nursing Home Quality Rating System
Source: CMS
This is a fact sheet on CMS' Five-Star Nursing Home Quality Rating System. It was a resource for the December 4, 2008 call on Reaching and Serving Private Pay Consumers.
(Word)
(PDF)
Associated Date: December 04, 2008
CMS Presentation - NH Compare Five-Star
Source: CMS
This is Karen Tritz's, of CMS, presentation on the Five-Star Quality Rating System for Nursing Homes. This was a call resource for the December 4, 2008 call on Reaching and Serving Private Pay Consumers.
(Powerpoint)
(PDF)
Associated Date: December 04, 2008
Hutchinson Presentation - Serving Private Pay - NASUA Survey Results
Source: NASUA
This is Bernice Hutchinson's presentation, used as a resource for the December 4, 2008 call on Reaching and Serving Private Pay Consumers. The presentation includes results from a Fall 2008 survey of the aging and disability networks on the extent to which they are serving private pay consumers.
(Powerpoint)
(PDF)
Associated Date: December 04, 2008
Life Planning and Personal Futures Planning - Monthly Call Summary - January 5, 2006
Source: The Lewin Group, ADRC-TAE
These call notes are from a Monthly Grantee Call on Person Centered Planning and Thinking.
(Word)
(PDF)
Associated Date: January 05, 2006
Private Paying Consumers LTC Financing Decision Presentation - Monthly Call - December 5, 2007
Source: Barb Stucki, NCOA
This is Barb Stucki's presentation on Private Pay Consumer LTC Financing Decisions, used on the monthly TA call on December 5, 2007.
(Powerpoint)
(PDF)
Associated Date: December 06, 2007
A House in Order: How Planning for Your Aging Brings Peace of Mind
Source: Ozaukee County, Wisconsin
This document will help a consumer take an inventory of the values and preferences most important to him or her as they age or develop long-term support needs. A good plan can help older adults enjoy every day, stay as healthy as possible, get help when it is needed, and avoid a crisis.
(Word)
(PDF)
Updated December 18, 2007
KS State Employees LTC Program Brochure
Source: Kansas
This example of a brochure for a state employee long-term care (LTC) program was used as an example during the ADRC-TAE October 2005 Standing Grantee Call on Planning for Future Long Term Supports Needs.
(Internal Link)
(PDF)
Updated December 12, 2007
MD Howard County Marketing Study Executive Summary
Source: Howard County Office on Aging and ADRC, Maryland
The Howard County Office on Aging in Maryland, and ADRC pilot site, recently completed a marketing study designed to help them meet the needs of the county's aging population. The study, conducted by Kay Loughery at Johns Hopkins University, included a survey of fee-for-service providers in the community. The findings outlined in this Executive Summary will be used to assist Howard County develop ways to build and strengthen relationships with private providers.
(PDF)
(Word)
Updated December 12, 2007
Financing Long Term Care for the Elderly
Source: Congressional Budget Office
Congressional Budget Office (CBO) paper ? prepared at the request of the House Budget Committee ?summarizes the current state of financing for long-term care, identifies some of the issues affecting it both now and in the future, and considers policy alternatives that address the mix of private and governmental sources of financing for LTC costs.
(External Link)
Updated December 12, 2007
MD Howard County Private Providers Marketing Study Presentation
Source: Howard County Office on Aging and ADRC, Maryland
The Howard County Office on Aging in Maryland, and ADRC pilot site, completed a marketing study designed to help them meet the needs of the county's aging population. This presentation by the researcher, Kay Loughery of Johns Hopkins University, describes the goals and findings of the study, as well as recommendations for Howard County to consider in developing ways to build and strengthen relationships with private providers in the community.
(PDF)
(Powerpoint)
Updated December 12, 2007
State Specific Guides to Long Term Care Insurance
Source: National Association of Insurance Commissioners
Most states have their own guides to long term care insurance that include information and guidance about the product and often comparisons of policies offered in the state. This Web site provides links to various state's health insurance Web sites.
(External Link)
Updated December 12, 2007
Own Your Future Tip Sheet
Source: AoA/CMS
This is a two-page tip sheet with information about the long-term care planning program "Own Your Future."
(Word)
(PDF)
Updated December 12, 2007
National Association of Insurance Commissioners (NAIC) A Shopper's Guide to Long Term Care Insurance
Source: National Association of Insurance Commissioners
Presents current and potential users of long-term care insurance with valuable information about this offering. For those considering the purchase of long-term care insurance, buyers' guidelines are incorporated in a consumer-friendly, easy-to-read format. Handbook includes an overview of long-term care, as well as payment and purchasing options, worksheets, shopping tips, and the various policy and benefit plans available to the public. Guide also contains a comprehensive by-state contact listing through which the consumer can obtain additional information.
(External Link)
Updated November 20, 2007
Assessing Your Long-Term Care Planning Quotient
Source: Long Term Care Group Inc.
This quiz was developed by Long Term Care Group, Inc. for use in the 2003 CMS National Long-Term Care Training. It is designed to provide a quick first impression of how much "planning" for long term care someone has done and to give them some ideas for some easy "first steps" they can take.
(Word)
(PDF)
Updated November 20, 2007
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