Maryland home care
CFC, Community Options Waiver, and Private Pay home care in Baltimore City
Jump to Programs in Baltimore City
Welcome to Cottage Home Care Maryland LLC — Baltimore City families seeking trusted, compassionate in-home care now have a dedicated local partner with a legacy of service dating back to 1992. As the sister company of Cottage Home Care, our agency carries decades of caregiving experience into every neighborhood we serve, from Hampden and Roland Park to East Baltimore and Cherry Hill. Baltimore City's dense urban environment brings intense summer heatwaves and harsh winter conditions that can be especially hard on elderly and disabled residents, so our emergency backup care plans ensure services never lapse. The city's vibrant diversity includes large Spanish-speaking, African American, Korean, and West African communities, and we take great care to match every client with a caregiver who speaks their language, respects their culture, and completely fulfills all family requirements. Our care plans are nurse-monitored and evolve as needs change, with 24/7 on-call support providing absolute peace of mind. Caregivers deliver daily help with bathing, dressing, and light housekeeping alongside warm companionship that protects dignity and independence. Through Community First Choice, Community Options Waiver, and Private Pay, families can explore Medicaid-funded options, including having a loved one serve as a paid caregiver.
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Free help with Medicaid, CFC, waivers, and Private Pay in Baltimore City. No obligation.
We specialize in Maryland Medicaid home care programs that cover personal care, activities of daily living (ADLs), and related in-home supports for eligible Baltimore City residents.
Under CFC and certain waiver services, eligible participants in Baltimore City may hire a family member or person they trust as a paid caregiver after meeting medical and financial requirements.
Unlike the Community Options Waiver, Maryland's CFC program is an entitlement benefit—when you qualify, you can often start services without joining a long statewide waitlist.
Families in Baltimore City who prefer to pay out of pocket can arrange non-medical home care directly, with control over schedule, tasks, and caregiver choice.
Compare Maryland Medicaid and private pay pathways. We help you apply for the program that fits your medical need, budget, and timeline.
CFC is a Maryland Medicaid program that pays for nursing-level personal care in your home. Eligible Baltimore City participants may receive help with bathing, dressing, meal preparation, mobility, and more—often at no out-of-pocket cost. The program also supports self-directed care, allowing an approved family member or friend to be paid for providing services.
Program detailsThe Community Options Waiver offers a broader set of home and community-based services for Baltimore City residents who need a nursing facility level of care but wish to remain at home or in the community. Services can include personal care, adult day health, respite for family caregivers, and other supports defined in an approved plan of care. This waiver has a waitlist for community applicants; our team explains timelines and alternatives such as CFC when appropriate.
Program detailsPrivate Pay allows Baltimore City families to fund home care directly without Medicaid enrollment. This option is useful when you need care immediately, want services not covered by insurance, or are waiting for waiver approval. Cottage Home Care Maryland LLC can help you estimate hours and connect you with qualified caregivers.
Program detailsOur non-medical home care services support people who want to remain at home with dignity, safety, and trusted caregivers.
Call (667) 400-0648 or contact us online. We review your situation, county of residence (Baltimore City), and care goals.
We determine whether CFC, Community Options Waiver, or Private Pay is the best fit based on Medicaid status, medical need, and urgency.
Our staff assists with Medicaid checks, health department assessments, and provider paperwork required by Maryland.
Once approved, services begin in your Baltimore City home with a plan tailored to your daily routine and preferences.
Cottage Home Care Maryland LLC guides Maryland families through enrollment at no cost. Call today or send us a message online.