A day program can look affordable on a brochure and expensive on the bill, because the bill is built from the schedule and the extras, not from the headline. Before you compare two programs, write down the schedule your parent needs. Then ask each program to quote that same schedule, in writing, with the same inclusions.

Local option: New Plan Care gives families in the St. Louis area in-home help so a parent can stay home: companionship, help with bathing and dressing, meals, and overnight care. Call (314) 405-0887.

Days and hours

Ask about the number of days per week, the hours in the day, minimum attendance requirements, half-day options, and holiday closures. A program that charges for a minimum number of days may cost more than one that lets you choose fewer days, even at a higher daily rate.

Transport

Find out whether pickup and drop-off are included, how far the program will drive, and what is charged for longer routes or waiting time. Ask what happens when a pickup is late or when your parent is not ready.

Meals and special diets

Ask whether lunch and snacks are included, and whether a special diet, texture change or added help at mealtime adds a charge. Ask whether the menu is posted in advance.

The level of help

This is often the biggest driver. Ask whether help with walking, toileting or supervision for memory changes costs more, and whether the intake assessment can raise the rate. Ask how often the assessment is repeated and whether a reassessment costs extra.

Outings, activities and missed days

Ask whether outings and special activities are extra. Find out what happens when your parent misses a day, whether absences are billed, and whether there are late pickup charges.

Medicine

Ask what medicine reminders the program offers, if any, and what the family must supply. The family, the doctor and the pharmacist keep control of the medicine itself. Ask whether the program needs an up-to-date list of medicines from you, and who keeps it current.

How to compare

Put the same days, hours and needs on one sheet and send it to each program. Ask for a written fee schedule that lists what is included and what is excluded. A quote that leaves out transport or meals is not the same quote as one that includes them. For more on local options, see Local Help for a St. Louis Parent.

Tonight

Write down the days and hours your parent would need, then email two programs asking for a written fee schedule for that exact schedule. Ask each one to list every extra they might charge.

Leave with the doctor

Ask what level of supervision or personal help your parent needs now, and whether attending a day program fits her current health. The answer tells you which quote is the right one to compare.