Maryland Medicaid and home and community-based services
Maryland Medicaid offers home and community-based programs designed to help people who need institutional-level care remain at home, including Community First Choice, the Community Options waiver, and community personal assistance services. Eligibility and covered services vary, and a case manager is the right source for specifics.
Long-term care insurance
Private long-term care policies commonly cover home care and private-duty nursing, but every policy has its own benefit triggers, daily caps, and elimination periods. Ask the insurer for the home care section of the policy in writing.
Workers' compensation, auto, and private pay
Injury-related care may be covered by workers' compensation or auto insurance. Private pay remains the most flexible route, and many families use it to fill the gaps between what public programs cover and what the patient needs.
How a good agency handles the payer question
A clinically organized agency reviews the payer situation during the referral process and gives the family a straight answer about authorization and coverage before start of care, rather than discovering the problem after the first invoice.
Your Next Step
Review Coverage Before Discharge
Liberty's payors page explains what families and referral sources should ask about coverage and authorization.
Review Coverage Before Discharge