Iowa Medicaid HCBS Elderly Waiver: Qualifications and Services

Page Reviewed / Updated - Feb. 2014

What is a Medicaid Waiver?
For persons with limited financial resources, Medicaid pays for nursing home care. For those who wish to live at home or in assisted living, sometimes Medicaid will pay for care in those locations if it can be obtained at a lower cost than in a nursing home. It does this through "Medicaid Waivers" which are also called Home and Community Based Services (HCBS Waivers) or Waiver Funded Services.

Waiver Description

 This waiver allows family members to receive payment for caregiving services provided in the home.

This Iowa Medicaid waiver provides services and support to help the elderly who are medically qualified for nursing home care. It is designed to allow the individual to remain living at home or in communities and receive care in those locations instead of in a nursing home. This type of program is growing in popularity with the state and with families. Families prefer their loved ones to age in environments in which they are familiar and comfortable and state officials appreciate the cost savings generated from reduced nursing home costs.

This waiver includes a Consumer Choices Option (CCO) as well as Consumer Directed Attendant Care (CDAC).  These two options provide the beneficiary with a degree of freedom in terms of what type of care they require and from whom they receive that care.   The beneficiary or their legal representative can choose from whom to receive personal or attendant care.   They have the flexibility to hire friends, neighbors and even some family members.  They can also choose to receive attendant care from an assisted living provider, so while this waiver does not expressly state support for assisted living, it does so in a roundabout way.

 Did You Know? Based on 35 different criteria, Iowa ranked in the Top 5 as the healthiest state in the US for aging.  The other states were Vermont, New Hampshire, Minnesota and Massachusetts.

 

Eligibility Guidelines

The HCBS Elderly Waiver has eligibility requirements related to the applicant's age, functional ability and finances.

Age - Iowa residents must be at least 65 years of age.

Functional Ability - Applicants must be assessed by a medical team and found to need the level of care provided in a nursing home. However, they must be able to receive that care at home at a cost lower than it would cost in a nursing home.

Financial Status - Elderly waiver applicants must meet the Iowa Medicaid Financial Limits. Single applicants must have income less than 300% of the federal poverty level. For 2014, this is under $2,163 month. There is also a countable asset limit of $2,000 excluding their home, car and certain other personal items.

A married applicant whose spouse is not applying has increased flexibility as he or she can allocate some of their income and assets to their non-applicant spouse. This is referred to as their Minimum Monthly Maintenance Needs Allowance. They can also allocate up to $117,240 in resources; the Community Spouse Resource Allowance.

 Persons whose finances exceed the limits might qualify through Iowa's Medically Needy program or by working with a Medicaid Qualification Expert.  Learn more here.

 

Benefits and Services

The Elderly Waiver aims to prevent nursing home placement therefore the types of services for which waiver participants are eligible are specifically selected to help seniors function in their homes. This can include any of the following but each individual is allocated custom benefits.  Note that assistance in assisted living is not a direct benefit but can obtained through using the self-directed attendant care option.

  • Adult Day Care
  • Assistive Devices
  • Attendant Care (Self Directed)
  • Case Management
  • Chore Services
  • Home and Vehicle Modifications
  • Home Delivered Meals
  • Home Health Aide
  • Homemaker Services
  • Nursing Care
  • Nutritional Counseling
  • Personal Emergency Response System
  • Respite Care for Caregivers
  • Senior Companions
  • Transportation Assistance

 

How to Apply / Learn More

This waiver is available statewide in all Iowa counties. Waivers are not considered entitlement programs which means that it is possible to be fully qualified and still be wait listed for services. However, as of 2013, there was no waiting list associated with the Elderly Waiver. To apply, one should contact their Iowa Department of Human Services county office. A downloadable brochure is available here.

There are also two other programs for Iowa residents that offer assistance to help individuals remain living at home; these are the Case Management Program for the Elderly and Iowa Able Foundation Loan Program.