Maryland funds in-home care through three programs with very different rules. CFC has no waitlist and covers most personal care. 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.
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.
Community First Choice highlights
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
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
Not sure which program fits? A care advisor will help you choose.
(667) 400-0648Cottage Home Care Maryland serves families statewide. Select a county to view local programs, service areas, and enrollment support.
Answer a few quick questions. A Maryland care advisor will call you within 2 business hours with next steps — free, no pressure.
