Maryland home care
Trusted In-Home Caregivers & Paid Family Caregiver Setup in Columbia, Ellicott City, Laurel, Clarksville, and Fulton & Surrounding Areas
Our office is in Columbia — Howard County is our home county. We serve families in Ellicott City, Columbia, Clarksville, Laurel, Savage, Jessup, and all surrounding areas. Howard County has one of Maryland's highest concentrations of working adults providing unpaid care to elderly parents — many qualify to be paid through CFC's self-directed option. We coordinate CFC needs assessments with the Howard County Health Department on your behalf. Spanish, Korean, Chinese, and Hindi-speaking caregivers available. Free eligibility check: (667) 400-0648.
1992
Established · 30+ years
Licensed
Bonded & Insured
15,000+
Caregivers
23+
States served
5.0Google Reviews
500+
Maryland families served
24
Counties covered
We specialize in Maryland Medicaid programs that fund in-home elder care, covering personal care, activities of daily living (ADLs), and related in-home support services for eligible Howard County residents.
Under CFC and certain waiver services, eligible participants in Howard County, Maryland may hire a family member or person they trust as a paid caregiver — letting a loved one get paid to provide in-home care 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 Howard County who prefer to fund senior home care directly can arrange non-medical in-home care without Medicaid enrollment, with full control over schedule, tasks, and caregiver choice.
CFC is a Maryland Medicaid program that pays for nursing-level personal care in your home, providing care for elderly at home and adults with disabilities at little or no out-of-pocket cost. Eligible Howard County participants may receive help with bathing, dressing, meal preparation, mobility, and more. The program also supports self-directed care, allowing an approved family member or friend to be paid for providing services.
Learn about Community First ChoiceThe Community Options Waiver offers a broader set of in-home care services for seniors and adults 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.
Learn about Community OptionsPrivate Pay allows Howard 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 in-home caregivers.
Learn about Private PayTalk to an advisor
Free help with Medicaid, CFC, waivers, and Private Pay in Howard County. No obligation.
Real 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
Our 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 (Howard 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 Howard County, Maryland home with a plan tailored to your daily routine and preferences.
Start Care Now
(667) 400-0648We serve families statewide. Select another county to view local programs, service areas, and enrollment support.
23
Counties
Click any to learn more
Not sure which program fits your family? Our advisors serve all 24 counties at no cost.
Call (667) 400-0648