New Hampshire’s Choices For Independence Waiver: Qualifications and Services

Page Reviewed / Updated - Mar. 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 program provides support to help New Hampshire residents live at home or in assisted living communities instead of nursing homes.

This New Hampshire Medicaid program is designed to help adults with chronic illnesses and the elderly. It does so by providing services and support for individuals that are clinically eligible for nursing home placement, but choose to remain living in the community or at home. The definition of "community" under this waiver is broad and includes many types of non-nursing home care such as Assisted Living, Residential Care Homes, Adult Foster Care and other types of Supportive Housing.

Services and support are provided to individuals at these places of residence provided the costs of services do not exceed a certain percentage of what the costs would be if they were provided in a nursing home.  A complete list of possible services is located further down this page.  Most popular among them is personal care and support for home modifications to increase the participant's independence.

Choices For Independence offers participants a degree of consumer direction or self-direction in which they are able to choose some of their care service providers. This applies largely to the unskilled or custodial care services outlined further down the page.  The waiver was formerly referred to as the Elderly and Chronically Ill Waiver or the HCBC-ECI Waiver.  It is under the administration of the New Hampshire Bureau of Elderly and Adult Services.


Eligibility Guidelines

New Hampshire has complicated and frequently changing eligibility guidelines. Some requirements change depending on the age, level of impairment or marital status of the applicant. 

Age - 65 years of age or older, unless disabled, in which case 18 years or older

Level of Impairment - Disabled or eligibility for nursing home level care

Income - must meet the requirements for NH Medicaid. Single applicants are allowed $2,163 / month. Married applicants can allocate up to $2,931 of joint income each month to a husband or wife provided they are not seeking Medicaid assistance as well.

Assets - single applicants must have less than $2,500 in countable resources. These can exclude the house and car provided they are in use by the owner. Married applicants whose husband or wife is not receiving Medicaid, can transfer joint assets to the non-applicant up to a value of $117,240.

 Persons Exceeding these Limits - have two options.  If they have high, recurring, medical expenses, they can apply for Medically Needy Medicaid which may allow them to qualify.  Alternatively, they can transfer excess income into qualifying income trusts and convert countable assets into exempt ones. This is called Medicaid planning and may require assistance from persons familiar with Medicaid rules as it is easy to make an error and disqualify oneself. Learn more.


Benefits and Services

Under Choices for Independence, a large number of supports, services and assistance are available. The purchase of some of the following goods and services can be self-directed.

  • Adult Family Care
  • Assistive Technology
  • Case Management
  • Chore Services
  • Community Transition Assistance
  • Environmental Accessibility for Homes and Vehicles
  • Home Delivered Meals
  • Home Health Services
  • Homemaker Provides
  • In-Home Care
  • Meal Preparation
  • Medical Day Services
  • Personal Care Assistance
  • Personal Emergency Response Service
  • Residential Care
  • Respite Care for the Caregiver
  • Shared Housing
  • Specialized Durable Medical Equipment


How to Apply / Learn More

The administering body for this waiver is the NH Dpt. of Health and Human Services, Division of Community Based Care Services, Bureau of Elderly and Adult Services (BEAS). The waiver is available statewide and at last check there was no waiting lists for services. Although it is not unusual for waivers to have waiting lists. 

To apply, call toll-free at 1-866-634-9412.  One can also download a brochure or visit their webpage.