Maryland home care
CFC, Community Options Waiver, and Private Pay home care in Somerset County
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Welcome to Cottage Home Care Maryland LLC — Somerset County families seeking compassionate, dependable in-home care now have a dedicated local partner with a caregiving tradition that runs deep, tracing back to 1992. As the sister company of Cottage Home Care, we bring decades of trusted, hands-on experience to communities across Princess Anne, Crisfield, and the surrounding waterfront communities of this historically rich Lower Eastern Shore county. Somerset County's low-lying coastal position along the Chesapeake Bay and Tangier Sound makes it one of Maryland's most vulnerable areas for tidal flooding, storm surges, and the disruptions that tropical weather events bring, and our emergency backup plans are carefully designed to ensure that care never stops for any client, no matter the conditions. The county has a deeply rooted and proud African American community alongside a growing Spanish-speaking population, and we take care to match every client with a caregiver who speaks their language, deeply respects their cultural background, and completely fulfills all family requirements. Every care plan is nurse-monitored and adapts as needs change, with 24/7 on-call professional support providing absolute peace of mind. Caregivers help with daily bathing, dressing, and light housekeeping while offering genuine companionship that protects dignity and independence. Through Community First Choice, Community Options Waiver, and Private Pay, families can access Medicaid-funded care, including getting paid to care for a loved one or welcoming a background-checked CNA.
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Free help with Medicaid, CFC, waivers, and Private Pay in Somerset County. 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 Somerset County residents.
Under CFC and certain waiver services, eligible participants in Somerset County, Maryland 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 Somerset County 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 Somerset County 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 Somerset County, Maryland 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 Somerset County 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 (Somerset County), 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 Somerset County, Maryland 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.