How Do You Apply for a Waiver for Home Care?

You apply for a waiver for home care by reviewing eligibility and state requirements, then obtaining, completing and submitting an application. These waivers can help cover the cost of home care services, making it financially feasible for seniors to remain in their homes.

Part of Medicaid, home care waivers help pay for in-home care services for eligible seniors and individuals with disabilities. The specific waivers, eligibility requirements and services covered by Medicaid home care waivers vary by state. Services generally encompass personal care, homemaker services, respite care and transportation for appointments and errands, such as grocery shopping.

Nearly every state offers Home and Community-Based Services waivers, which aim to promote independent living by providing an alternative to institutional care for seniors who require a nursing home level of care. The Community First Choice program serves as an alternative Medicaid state plan option, covering personal care services in the following five states:

• California
• Maryland
• Montana
• Oregon
• Texas

This tool offers Medicaid enrollment information and requirements for each state.

To apply for a home care waiver, follow these steps:

• Determine Eligibility: Verify if you or your loved one meets the eligibility criteria for Medicaid and the HCBS waiver in your state. This determination typically includes income and asset limits and a need for a nursing home level of care.
• Contact Your State's Medicaid Office: Each state administers its own Medicaid program. For specific instructions, contact your state's Medicaid office or visit its website.
• Complete the Application: Fill out the corresponding applications, which may require submitting documentation, such as proof of income, assets, medical assessments and care plans. Most states offer an online application process in addition to paper applications.
• Assessment and Approval: After you submit your application, a caseworker reviews it. They may schedule a supplementary in-home assessment. Once approved, the caseworker notifies you of the services you can receive and how to access them.

When it comes to in-home care services, applying for a home care waiver often significantly alleviates the financial burden for seniors and their families. Obtaining a waiver can take time due to the assessments and paperwork. Additionally, some states have waiting lists for certain home care waivers. Start the application process early to ensure you can access the services you need.

For more detailed information and assistance with applications, contact your local Aging and Disability Resource Center. Its dedicated staff can provide a breakdown of eligibility requirements, help you obtain any necessary documents and aid you in submitting the completed application. Organizations such as AARP also offer valuable resources and guidance on Medicaid-related topics.