Maryland home care
CFC, Community Options Waiver, and Private Pay home care in Wicomico County
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Welcome to Cottage Home Care Maryland LLC — Wicomico County families in search of compassionate, trustworthy in-home care now have a dedicated local partner with a caregiving legacy built over decades, going back to 1992. As the sister company of Cottage Home Care, we bring that proven tradition of quality care to communities across Salisbury, Fruitland, Delmar, and throughout this central Eastern Shore county. Wicomico County's low-lying terrain near the Wicomico River and Chesapeake watershed makes it vulnerable to flooding, strong summer storms, and coastal weather events that can disrupt daily life quickly, which is why our emergency backup plans are structured to ensure seamless, uninterrupted care through every challenge. The county's population reflects meaningful diversity, including a significant African American community and a growing Spanish-speaking population, many with roots in Mexico and Central America, and we carefully match every client with a caregiver who speaks their language, honors their cultural values, and completely fulfills all family requirements. Every care plan is nurse-monitored and evolves as a client's needs change, with 24/7 on-call support providing absolute peace of mind. Caregivers assist with daily bathing, dressing, and light housekeeping while offering warm, steady companionship that preserves independence and dignity. Through Community First Choice, Community Options Waiver, and Private Pay, eligible families can access Medicaid-funded care, including getting paid to care for a loved one or welcoming a screened CNA.
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Free help with Medicaid, CFC, waivers, and Private Pay in Wicomico 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 Wicomico County residents.
Under CFC and certain waiver services, eligible participants in Wicomico 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 Wicomico 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 Wicomico 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 Wicomico 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 Wicomico 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 (Wicomico 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 Wicomico 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.