Maryland Home Care Programs: CFC, Medicaid & Private Pay
Three programs. Different eligibility rules. Here's how to tell which one your family qualifies for.
Maryland funds in-home care through three programs with very different rules. CFC has no waitlist and covers most personal care — it's where most families start. The Community Options Waiver covers more services but has a years-long waitlist; over 24,000 people are waiting statewide. Private pay has no eligibility requirement and starts within days. Our advisors sort this out at no charge.
Home care programs we offer
Cottage Home Care Maryland LLC coordinates three Maryland home care paths—Community First Choice, the Community Options Waiver, and private pay—so families can compare eligibility, waitlists, and costs in one place.
CFC Program
Maryland's fastest path to Medicaid-funded home care. No waitlist — qualify and start. Baseline income limit: $350/month (most families still qualify through spend-down). Self-direct your care and hire a family member as the paid caregiver. No out-of-pocket cost.
CFC Program highlights
- No waitlist — qualify and start
- Baseline income limit $350/mo (spend-down helps most qualify)
- Self-direct care & hire a family member
- No out-of-pocket cost
Maryland-Community Options Waiver
Covers a broader range of services than CFC — assisted living support, adult day care, home modifications, and emergency response. The tradeoff: a statewide waitlist with over 24,000 people, typically a multi-year wait. We help you get on the registry and track your position.
Maryland-Community Options Waiver highlights
- Assisted living support & adult day care
- Home modifications & emergency response
- Statewide waitlist of 24,000+ (multi-year)
- We get you on the registry & track your spot
Private Pay
No Medicaid enrollment required. Pick your schedule, your caregiver, and your services. Starts within days. Good option while a Medicaid application is processing, or if your income is above Medicaid limits. No eligibility reviews or paperwork delays.
Private Pay highlights
- No Medicaid enrollment required
- Choose your schedule, caregiver & services
- Starts within days
- Great while a Medicaid application processes
Counties We Serve
Community First Choice, Community Options Waiver, and Private Pay home care — available in every county below. Select yours to see programs and how we help local families.
24
Counties
Click any to learn more
- Home care in Allegany CountyMedicaid, CFC & private pay options
- Home care in Anne Arundel CountyMedicaid, CFC & private pay options
- Home care in Baltimore CountyMedicaid, CFC & private pay options
- Home care in Baltimore CityMedicaid, CFC & private pay options
- Home care in Calvert CountyMedicaid, CFC & private pay options
- Home care in Caroline CountyMedicaid, CFC & private pay options
- Home care in Carroll CountyMedicaid, CFC & private pay options
- Home care in Cecil CountyMedicaid, CFC & private pay options
- Home care in Charles CountyMedicaid, CFC & private pay options
- Home care in Dorchester CountyMedicaid, CFC & private pay options
- Home care in Frederick CountyMedicaid, CFC & private pay options
- Home care in Garrett CountyMedicaid, CFC & private pay options
- Home care in Harford CountyMedicaid, CFC & private pay options
- Home care in Howard CountyMedicaid, CFC & private pay options
- Home care in Kent CountyMedicaid, CFC & private pay options
- Home care in Montgomery CountyMedicaid, CFC & private pay options
- Home care in Prince George's CountyMedicaid, CFC & private pay options
- Home care in Queen Anne's CountyMedicaid, CFC & private pay options
- Home care in Somerset CountyMedicaid, CFC & private pay options
- Home care in St. Mary's CountyMedicaid, CFC & private pay options
- Home care in Talbot CountyMedicaid, CFC & private pay options
- Home care in Washington CountyMedicaid, CFC & private pay options
- Home care in Wicomico CountyMedicaid, CFC & private pay options
- Home care in Worcester CountyMedicaid, CFC & private pay options
Not sure which program fits your family? Our advisors serve all 24 counties at no cost.
Call (667) 400-0648