Home Health & Personal Care

Find the profit your home health business is leaking.

In home care, profit usually leaks in the gaps between scheduling, visits and billing: denied claims, missing authorizations, unbilled visits and drive time no one is paid for. The diagnostic pinpoints which of those gaps is costing your agency the most.

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Built for home health, home care and personal care agencies

The four leaks we see most in home health & personal care

The home health diagnostic adds these industry questions to the core assessment, prices each one against your numbers, and ranks them by what they're worth to fix.

Cash Flow & Collections

Payer claim denials

We ask: What share of claims or payer invoices are denied or rejected on first submission?

A first fix: Pull a denial report by payer and reason code; fix the top 3 root causes.

Cash Flow & Collections

Authorization / EVV gaps

We ask: How often are visits delivered without a valid authorization or EVV record?

A first fix: Verify authorization and EVV status before every visit is scheduled.

Labor & Productivity

Caregiver travel & missed visits

We ask: How are caregiver routes and missed visits managed?

A first fix: Cluster visits by geography and track missed-visit rate weekly.

Pricing & Margin

Payer-mix margin

We ask: Do you know margin by payer (Medicaid waiver, private pay, VA, LTC insurance)?

A first fix: Calculate margin per hour by payer and set a target payer mix.

Finance + operations

Two sides of the same problem.

In home care, payroll is the business, and payers decide when you get paid. Blue Water works on both sides: a fractional CFO who keeps your numbers honest, and an operations team that fixes what those numbers reveal.

Finance · Fractional CFO

What your CFO watches in home health

Payroll against billable hoursCaregiver hours paid versus visit hours billed, checked before payroll runs.
Payer mix and collectionsHow much each payer owes, how fast they pay, and what one large payer means for your risk.
Cash reserve and owner payA reserve that covers payroll when reimbursements run late, and a set schedule for what you take.

Operations · Friction & systems

What operations fixes

The four leaks above are where the numbers usually point. Once the monthly review shows which one is costing you most, we fix it at the source: a clear procedure your team follows, a cleaner workflow, and the software you already use connected so nothing gets re-keyed or lost.

Then we track the result in your next month's numbers, so you can see what the fix was worth.

How the two sides work together

The diagnostic scores both sides. You'll see your financial control and operations scores, and which to fix first.

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Plus the six areas every business is scored on

Every diagnostic scores the same six areas, so you can see where home health problems sit next to everyday ones.

Cash Flow & CollectionsHow fast you bill and collect, and how much cash is tied up waiting.
Pricing & MarginWhether your prices and job costs keep up with what the work really takes.
Labor & ProductivityOvertime, idle time and the hours that never turn into revenue.
Purchasing & SupplyWhat you buy, what you waste and what walks out the door.
Sales & Lead FlowHow many inquiries turn into paying work, and how many slip away.
Financial ControlWhether your books are current, reconciled and actually used to run the business.

The home health benchmarks we compare you to

If you leave a figure blank, the diagnostic estimates it from these typical values for home health & personal care. Your results show which numbers came from you and which are estimates. In a paid audit, we replace every estimate with your real books.

Gross margin: 35%
Payroll share of revenue: 60%
Materials / supplies share: 4%
Days to get paid (target): 35

Planning assumptions used by our model, not guarantees. See the earnings disclaimer.

Free Friction Diagnostic

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Separate scores for financial control and operations
Your estimated annual profit leak, area by area
A recommended next step (finance, operations or both) based on your answers
A 30-day action plan you can start on today

Your answers go only to Blue Water. We never sell them.

Friction Diagnostic