How to Evaluate Age in Place Program Contracts and Fees

Choosing the right Age in Place program (also known as Continuing Care at Home or CCaH programs)  is a big step toward maintaining independence and peace of mind as you grow older. But before signing on the dotted line, it’s important to understand what’s included in your program contract and fees and how to make sure you’re getting the right fit for your needs and budget.

START WITH WHAT THE PROGRAM PROMISES

Every Age in Place or Continuing Care at Home (CCaH) program offers a slightly different mix of services. Most include care coordination and many include access to home care and coverage for higher levels of care if your health changes. As you review a contract, look closely at the scope of services. Does the program include personal care, transportation coordination or rehabilitation support? Are there limits to what’s covered or how often services can be used?

UNDERSTAND THE FINANCIAL STRUCTURE

Most CCaH programs charge a one-time entrance fee and an ongoing monthly fee. The entrance fee often acts as a form of long-term care insurance, giving you priority access to care at predictable costs. When comparing programs, ask:

• What services are covered by the monthly fee?
• How are costs adjusted if care needs increase?
• Are there refunds or options if you move or cancel?

“It’s easy to focus on the monthly costs, but the real value comes from understanding what those fees protect you from down the road,” said Dr. Amanda Young, CEO of Wesley SecureCare, a Continuing Care at Home program based in Towson, MD. “When you know exactly what’s included—and what’s not—you can make decisions that protect both your independence and your financial future.”

Understanding these details upfront helps you avoid surprises later and ensures the program fits your retirement planning goals.

ASK ABOUT TRANSPARENCY AND FLEXIBILITY

The program should explain costs clearly and provide written details about what happens if your health or financial situation changes. Look for flexibility and programs that can adapt your care plan or pause services if needed.

GET PROFESSIONAL ADVICE

Before signing a CCaH or aging-in-place contract, you may choose to review it with a financial advisor or elder law attorney. If they have questions about how the program works, connect them directly with your contact at the CCaH organization. This ensures everyone fully understands the details, costs and benefits — and that the program aligns with your long-term care goals.

Joining an Age in Place program should feel empowering, not confusing. By asking the right questions and carefully reviewing the contract and fees, you’ll make a confident, informed choice and ensure your plan for independence truly supports the life you want to live.