Self-Funding

Many families fund live-in care privately. Costs vary depending on the level of support required, but live-in care is frequently comparable to — and sometimes lower than — a residential care home place, particularly given the one-to-one nature of the support. We provide transparent, personalised quotes with no hidden fees.

Direct Payments

If your loved one qualifies following a social care needs assessment by their local authority (Essex County Council or Hampshire County Council), they may receive a direct payment — a sum of money paid to them to arrange their own care. This can be used to fund a live-in carer directly through Premier23.

Ask us about requesting a needs assessment — we can help guide you through the process.

NHS Continuing Healthcare (CHC)

If your loved one has a primary health need — for example, complex nursing needs, advanced dementia, or a progressive neurological condition — they may qualify for NHS Continuing Healthcare funding. If awarded, the NHS funds the full cost of care. We work with families through the CHC assessment and appeals process.

CHC eligibility is assessed on health need, not age or diagnosis. It is worth applying even if you are uncertain.

Personal Health Budgets

People who qualify for NHS Continuing Healthcare may be offered a personal health budget — giving them more control over how their care is delivered and by whom. This budget can be used to commission live-in care from Premier23, allowing a more personalised arrangement than a traditionally commissioned service.