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Coverage of home care and home and community-based services (waiver programs) is available for people who need extra help to stay at home instead of moving to a nursing home or other medical facility.

Minnesota Health Care Programs covers some home care services. Some people may also need to apply for a waiver program to get coverage for things like additional medical supplies and equipment, help with daily living activities, case management, counseling and more.

How do I know if I qualify for these services?
People, including children, with disabilities or chronic illnesses who need certain levels of care may qualify for coverage of home care if:

  • • you qualify for certain Minnesota Health Care Programs, and
  • • the services have been approved. Contact your local county office to find out how to get services approved.
  • What is the income limit?
    The income limit for Minnesota Health Care Programs and whose income is counted depend on your age and who lives with you. Waiver programs may have different income rules; for children, only the child’s income is counted.

    Can I get coverage if I have a house or car?
    Yes, your home and a car usually do not count toward the asset limit for Minnesota Health Care Programs. Children do not have an asset limit.

    Some waiver programs treat assets differently. Contact your county to be sure you do not lose coverage by giving away assets.

    Can I get coverage if I have savings, a retirement account or other assets?
    Yes, but adults have an asset limit for Minnesota Health Care Programs. Retirement accounts may be considered differently than other assets. Children do not have an asset limit.

    Some waiver programs treat assets differently. Contact your county to be sure you do not lose coverage by giving away assets.

    What will coverage cost?
    There may be a monthly premium or spenddown (PDF). The amount, if any, depends on your income and who lives with you. Parental fees may apply for some children who receive services through a waiver program.

    Adults may also have copays for some services. Children do not have copays.

    When will coverage start?
    After you are approved, coverage may:

  • • Go back to the date your application was received
  • • Go back three months from the date your application was received, or
  • • Begin the month after you are approved, or pay your first premium if you have one.
  • Call your county if you have questions about when coverage can start.

    What if I have Medicare or other health insurance?
    You may still get coverage. You must tell us if you:

  • • Have other Medicare or other health insurance, including long-term care insurance
  • • Could be covered under someone else’s insurance
  • • Could get coverage through an employer or military service.
  • Sometimes we can pay the cost of your Medicare or other insurance so you can keep that coverage.

    Other services that may help you
    There are many other programs that provide help to people so they can live in their home. You may get help with nursing care, housekeeping and adult day care. You may get medical equipment you need, such as a wheelchair. To get more information about these kinds of services call your county.

    Contact us

    651-431-2670 (Twin cities metro area) or
    800-657-3739 (outside Twin cities metro area)
    Senior LinkAge Line® at 800-333-2433
    Disability Linkage Line® at 866-333-2466

    Addresses and phone numbers for county offices

    MinnesotaCare contact information

    TTY: 800-627-3529 or 711


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