Your hours come from your week, not from a brochure. Map the gaps first, then pick visit lengths that fit the job inside each gap. Only then compare the totals.
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.
Draw the week, hour by hour
Make a grid with the days across the top and the hours down the side. Mark every hour when your family member is alone, when a task has to happen, and when someone already covers it. The open cells are your gaps. Do not count a cell as covered until you have checked it with the person who covers it.
Match each visit to its task
A short visit suits a check-in, a meal set-up, or a quick tidy. A longer visit suits bathing, dressing, or a walk plus the errand list. Do not book a long visit for a short job, and do not squeeze a long job into a short slot. Write the job next to the time. If a job has no owner, it is not ready to book.
Count the travel
In the St. Louis area, a caregiver may drive across the county between clients. Ask whether travel time comes out of the visit or is added on top. Ask whether the drive is billed, and where it appears on the paper. A short visit with a long drive gives your family member less time than your grid suggests.
Read how the number is built
Every block you add is hours the agency must staff. The pay for the person doing those hours sets the floor under the rate, and that is the number underneath every rate. Read the build-up before you compare totals. See How the monthly cost is built.
Size for the hardest day
Do not size the plan for the easiest day. Size it for the day a helper cancels, the day the car is in the shop, and the day the errand runs long. Ask the agency how it fills a gap on short notice. Then test the plan for one full week before you commit to a longer term.