Now that you have the necessary background information, we can look at the Medicaid waiver. Many people can receive the living assistance that they need in their own homes. In-home caregivers are not free by any means, but in-home care can be much less expensive than full-time residence in a long-term care facility.
The government would like to see people receive help in their homes if it is at all possible because it is less expensive. To facilitate this, the Medicaid Home and Community-Based Services waiver program was implemented. This program helps eligible seniors pay for in-home care. It is called a “waiver” program because the asset and income limits are relaxed to allow more people to qualify for coverage.