Community First Choice (CFC)
Medicaid-funded personal care at home with no waitlist. Many families can have a relative enrolled as the paid caregiver.
Learn about Community First Choice →Trusted In-Home Caregivers & Paid Family Caregiver Setup in Frederick, Germantown, Thurmont, Urbana, and Brunswick & Surrounding Areas
Cottage Home Care Maryland connects Frederick County families with Medicaid-funded in-home care through the Community First Choice (CFC) program. Whether you're in Frederick City, Germantown, Thurmont, Emmitsburg, Middletown, or Brunswick, our Columbia-based team coordinates your CFC needs assessment with the Frederick County Health Department — at no charge. Under CFC, a family member can often be enrolled as the paid caregiver. Private pay is also available with no Medicaid paperwork, starting within days. Cottage Home Care has served Maryland families under the parent brand since 1992. Call (667) 400-0648 for a free eligibility check.
We coordinate directly with your county health department for Medicaid needs assessments.
Many families qualify to have a relative enrolled as the paid caregiver under CFC self-direction.
Every plan is nurse-monitored and adapts as needs change, backed by 24/7 on-call support.
We match every client with a caregiver who speaks their language and respects their background.
Compare Maryland Medicaid and private pay pathways. We help you apply for the program that fits your medical need, budget, and timeline.
Medicaid-funded personal care at home with no waitlist. Many families can have a relative enrolled as the paid caregiver.
Learn about Community First Choice →A broader Medicaid waiver covering assisted living, adult day health, and respite care for those who meet nursing-facility level of care.
Learn about Community Options →Flexible, self-funded home care starting within days — no Medicaid paperwork required.
Learn about Private Pay →Talk to a Frederick County care advisor — free, no obligation.
(667) 400-0648Real stories from patients and caregivers who chose Cottage Home Care Maryland
“I'm proud to work with Cottage Home Care Maryland LLC. Whether I'm assisting a CFC client or a Private Pay family, the agency ensures we have the resources to provide top-notch care. It's a supportive environment for staff and patients alike.”
Maria Sanchez
“Navigating the Community First Choice (CFC) program seemed complicated until I called Cottage Home Care Maryland LLC. They handled the paperwork and set me up with excellent care. I'm grateful to stay in my own home comfortably.”
Robert Mitchell
“As a caregiver here, I appreciate how Cottage Home Care Maryland LLC manages the Community Options and CFC cases. The communication is excellent, and they truly match us with patients where we can make the biggest difference.”
Sarah Jenkins
“Cottage Home Care Maryland LLC goes above and beyond. From explaining the CFC benefits to ensuring my home care schedule works for me, they have been professional and caring every step of the way.”
Harold Thompson
Answer a few quick questions. A Maryland care advisor will call you within 2 business hours with next steps — free, no pressure.
We serve families statewide. Select another county to view local programs, service areas, and enrollment support.