We help you find the right MLTC plan. We check if you qualify, explain your options, and walk you through each step.
Need MLTC help near you? We work with Medicaid members and families in NYC, Nassau, Suffolk, and Westchester.
Verified & compliant
We call or email within one business day.
MLTC is a New York Medicaid program. It pays for home care so you can stay at home instead of moving to a nursing home. A plan approved by the state sets up and manages your care.
Home-Based Support
Your aide comes to your home. You get help with daily tasks and stay where you are most comfortable.
Medicaid-Funded Services
Most Medicaid members pay nothing for covered home care. The plan handles the costs.
Personalized Care Coordination
A care manager is assigned to you. They set up your services and stay in touch when things change.
Key facts about the program in one place.
There are three types of MLTC plans. Each one works differently. Your age, your Medicare status, and your county help decide which fits best.
Partial MLTC
Home care only
Medicaid Advantage Plus (MAP)
Medicare + Medicaid combined
PACE
All-inclusive, age 55+
Not sure which plan fits? Talk it through with a coordinator, free.
What you get depends on your plan and your care plan. These are the most common services.
Personal Care Assistance
Help with bathing, dressing, grooming, and other daily tasks at home.
Home Health Aide Services
A trained aide gives hands-on care based on your approved plan.
Nursing Services
A nurse visits your home to help with medications and health checks.
Physical & Occupational Therapy
Therapy to help you stay active and do daily tasks on your own.
Adult Day Health Care
Daytime programs with health care, therapy, and social time outside the home.
Meals & Nutrition Services
Meals brought to your door when you need help with food.
Medical Transportation
Rides to your doctor when you cannot drive or take the bus.
Dental, Vision & Podiatry
Dental, eye, and foot care covered by many MLTC plans.
Cottage Home Care gives MLTC members trained Home Health Aides. We do not decide who qualifies and do not give skilled nursing or clinical care. Your approved hours come from your MLTC plan.
New York-Focused Support
We know how NY Medicaid works
Experienced Intake Guidance
We help from the first call to the start of care
Personalized MLTC Assistance
Help based on your county and your needs
Multilingual Support
We help families in many languages
Active HHA Aides
Extensive Experience
Expert Medical Team
The state decides who qualifies for MLTC. It is based on your Medicaid, your health, and how long you need care. We can help you check before you apply.
Not sure if you qualify? Call us. We will check your Medicaid for free. Also note: you cannot be in MLTC and HARP, Health Homes, or PACE at the same time.
You cannot be enrolled in MLTC while also enrolled in NHTD, an OPWDD waiver, or a Health Home, since these are separate care management structures.
If you don't currently qualify for MLTC, Private Pay home care may still be an option.
How long it takes depends on your health check, the plan you pick, and your own situation.
Confirm Active NY Medicaid
You need active NY Medicaid with home care coverage before anything else can start.
NYIAP Health Check
A state nurse checks your daily care needs, usually by video call. Call 855-222-8350 to book.
Get Your Outcome Letter
After the visit, a letter comes in about 7 business days. It tells you if you qualify and opens up plan enrollment.
Pick Your MLTC Plan
Choose a plan in your county. Send in your paperwork by the 20th of the month to start the next month.
Nurse Visit and Care Starts
Your plan sends a nurse to set your care hours. You have 90 days to switch plans before the 9-month lock-in starts.
No plan is right for everyone. Your county and your doctors matter. Check the NYSDOH plan ratings at health.ny.gov first.
Home First MLTC
Elderplan
Many families compare this plan for MLTC coverage in NYC, Nassau, and Westchester.
VNS Health MLTC
VNS Health
One of the largest and oldest MLTC plans in New York City.
MetroPlusHealth MLTC
City-run
Strong network across the five boroughs.
Fidelis Care at Home
Fidelis Medicaid network
Long-term home care through the Fidelis Medicaid network.
Centers Plan / Anthem HP
Moved to Anthem HP, March 2026
Confirm current enrollment status before you enroll — this plan changed hands recently.
Member services: 1-877-940-9330
What to check when you compare the best MLTC Medicaid plans:
County coverage
Confirm the plan actually serves your county, not just NYC.
Home care network
Ask which home care agencies the plan contracts with.
Provider access
Check that your current doctors are in-network.
Care management quality
A responsive care manager affects how fast hours get approved.
Member ratings
Look for patterns in member reviews, not one-off complaints.
NYSDOH quality scores
State scorecards compare plans on the same measures.
Not sure which MLTC plan fits your situation?
Tell us your county and current plan — we'll help you compare coverage before you switch.
Plans and benefits can change. Always check with the plan or New York State for current details.
Many families already know which plan they want. Check these things before you sign up:
Ask About a Specific PlanHome First MLTC covers NYC, Nassau, and Westchester. It does not cover Suffolk. Check your address before you start.
Looking for the Center Plan for Healthy Living phone number? Centers Plan MLTC became Anthem HP in March 2026. Always check with the plan or New York State for the latest details.
Anthem HP member services
844-292-4211These are real families in your neighborhood who made the same call you're thinking about making.
Cinthya Almendarez
Profession : Patient
Service: HHA
Riverside Select Services, LLC DBA Cottage Homecare Services is a spectacular agency with a great work environment. I can call any hour and there is always someone on the phone who will answer me and provide the help I need.
Rated 5 out of 5
5
Sherry Fiedtkou
Profession : Patient
Service: HHA
I'm having the best experience working with Riverside Select Services, LLC DBA Cottage Homecare Services The staff and management is exceptional because I've been working in the Home care for 17 years and this is one of the best agencies.
Rated 4.8 out of 5
4.8
Natividad Mateo
Profession : Patient
Service: NHTD
Excellent customer service and employee service, always with a smile. Staff is caring and loving and receptive to your needs. Great home care agency to sign up with for work, or to receive Homecare services at home.
Rated 5 out of 5
5
Service Area
We have offices in Freeport, Queens, and Jamaica. We serve NYC, Long Island, and Westchester. Call us to check if we cover your area.
Plans and rules change. Use these links to get current information straight from New York State.
03 sources
NYSDOH MLTC Consumer Guides
State ratings for MLTC plans by region — how each plan scores on care quality and member satisfaction.
New York Medicaid Choice
The state's MLTC enrollment broker. Compare plans by county and start your enrollment here.
NYS MLTC Plan Directory
Full list of approved MLTC plans in New York, sorted by county.
Still have questions? Call us. We will tell you where you stand and what to do next.
(516) 367-2266MLTC means Managed Long-Term Care. It is a New York Medicaid program. It pays for home care so you can stay home. Most Medicaid members pay nothing for covered services.
You need active New York Medicaid. You need home care for more than 120 days. You also need to pass a health check through NYIAP. The state decides who qualifies.
Yes, for covered services. This includes personal care aides, home health aides, nursing, and therapy. Most Medicaid members pay nothing for these services. What you get depends on your plan and your care plan.
It depends on where you live and what care you need. Home First MLTC, VNS Health, and MetroPlusHealth are large NYC plans. Check NYSDOH ratings at health.ny.gov. No one plan is best for everyone.
Start with the NYSDOH Consumer Guides. They score each plan on care quality and aide timeliness. Then check if the plan covers your area and if your doctors are in-network.
With a Partial MLTC plan, yes. Your Medicare and doctors stay the same. With MAP or PACE, Medicare and Medicaid join into one plan. You may need to use that plan's doctors.
Yes. For the first 90 days, you can switch for any reason. After that, most members are locked in for 9 months. You can leave early if you move out of the plan’s area.
It depends on your health check and the plan you pick. Send your paperwork by the 20th to start the next month.
NYIA is a required health check for new MLTC applicants. A state nurse looks at your daily care needs by video call. Call 855-222-8350 to set up your visit.
Cottage Home Care serves all five NYC boroughs, Nassau, Suffolk, and Westchester. Call (516) 367-2266 or fill out the form on this page. Go to nymedicaidchoice.com to find plans in your ZIP code.
Most Medicaid members pay nothing for covered home care. If your income is too high, you may owe a small monthly amount. A pooled income trust can lower that. Call us if you need help.
