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MI Choice vs. Private-Pay Home Care in Kent County: A Cost Walkthrough

At Michigan's median rate, 20 hours a week of home care costs about $3,000 a month. Here is how private pay, MI Choice and PACE compare for a Grand Rapids family.

Quick answer

The sourced benchmark is statewide: CareScout's 2025 Michigan median for a non-medical home caregiver is $79,508 a year at 44 hours a week, which works out to about $34.75 an hour.

Home›Guides›MI Choice vs. Private-Pay Home Care in Kent County:

By Grand Rapids Senior Advisor Care Team · Published October 30, 2026

TL;DRPrivate home care at Michigan's 2025 median of about $34.75 an hour costs roughly $3,000 a month at 20 hours a week and $6,000 at 40 -- past the assisted living median. For someone who qualifies, MI Choice or PACE can shift much of that to Medicaid; in Kent County every ZIP is in Care Resources' PACE area.

What does home care cost in Kent County?

The sourced benchmark is statewide: CareScout's 2025 Michigan median for a non-medical home caregiver is $79,508 a year at 44 hours a week, which works out to about $34.75 an hour.

Hours per weekApproximate monthly costCompared with assisted living median ($5,750/month)
10$1,506$4,244 less
20$3,012$2,738 less
30$4,518$1,232 less
40$6,023$273 more
56 (8 hours a day)$8,432$2,682 more
168 (24/7)$25,298$19,548 more

Monthly figures multiply the hourly median by the hours and by 52 weeks divided by 12. Agencies in Grand Rapids may quote above or below the state median, and many set minimum visit lengths.

Who qualifies for MI Choice in Kent County?

Adults who meet Michigan's nursing facility level of care and Medicaid's income and asset rules. In Kent County, the waiver agents are the Area Agency on Aging of Western Michigan (616-456-5664) and Reliance Community Care Partners (616-956-9440).

The level-of-care screen looks at whether someone needs help with daily activities, has cognitive impairment or needs skilled treatments -- the same standard a nursing home uses. Financial eligibility runs through MDHHS; for 2026 its manual lists an asset limit of $9,950 for one person in the SSI-related categories it covers.

What does MI Choice actually pay for at home?

Services, not rent: community living supports (help with personal care and household tasks), respite, home-delivered meals, chore services, home modifications, personal emergency response systems, nursing and supports coordination, among others.

The supports coordinator builds a plan with the participant and family and arranges providers. How many hours a plan includes depends on assessed need, so MI Choice rarely covers every hour a family would like. Most families combine it with their own time and some private-pay care.

How does PACE compare for a Grand Rapids family?

PACE replaces the piecemeal approach with one team: Care Resources, whose service area includes all of Kent County, provides medical care, a day center at its Kalamazoo Avenue SE or Lowell location, transportation and home support.

The trade-off is switching to PACE's doctors. For a parent with complex medical needs and a family stretched thin, one coordinated team can be worth it. A person cannot be in PACE and MI Choice at the same time.

When does private pay still make sense?

When needs are light, when a parent does not meet nursing facility level of care, or when assets are above the Medicaid limit and the family wants to preserve flexibility.

A few hours a week of private help can delay bigger decisions for years. Watch for the tipping point: once nights are needed, home care costs climb past assisted living quickly, as the table shows.

How do you start in Kent County?

Call the Area Agency on Aging of Western Michigan for options counseling and a MI Choice screen, call Care Resources if PACE interests you, and get two private-pay quotes so you can compare.

Ask each agency how long the process takes today. Keep a log of the care your parent is getting now -- hours, tasks, who helps -- because every assessment starts there.

Frequently asked questions

Does Medicare pay for home care in Kent County?

Medicare pays for home health -- skilled, intermittent visits for homebound patients -- but not ongoing non-medical caregiving.

Is there a waiting list for MI Choice?

Availability changes; ask the waiver agent directly when you call, and apply early rather than waiting for a crisis.

Can MI Choice pay a family member?

MI Choice plans are built around the participant's needs and approved providers; ask the supports coordinator what arrangements are allowed in your parent's plan.

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