Alabama’s Elderly and Disabled Medicaid Waiver: Qualifications & Services

 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

Alabama’s Medicaid program gives seniors a way to afford to live outside of a nursing home for frail and high-needs individuals who would qualify to be admitted to a 24-hour, skilled nursing facility. The Elderly and Disabled Medicaid Waiver offers 65 and over, or disabled residents, financial assistance for ongoing personal care services at home, or in the home of a friend or family member. Although the level of care and number of hours at home can never match the level of a residential medical center, seniors can receive additional help from friends and family caregivers to make sure that they are safe outside of the nursing home. At the time of their application, seniors can be either at home, in the community, or currently living within a skilled nursing home.

Under this waiver, individuals decide whether to have the state manage their care services or to self-direct their care services. Self-direction may also be referred to as consumer direction, participant direction, or the Cash and Counseling model. So long as the organization or the individual is a qualified waiver provider, an individual may choose that caregiver.

The E & D waiver is administered by the Alabama Department of Senior Services and the Alabama Department of Public Health. 

 Alabama has two other programs with self-direction that may be of interest to the reader: the SAIL Waiver and the Personal Choices Program.

Eligibility Guidelines

In order to qualify for the Elderly and Disabled Medicaid Wavier, one must be a resident of Alabama, be disabled or elderly, and require a level of assistance consistent with nursing home care. Seniors typically must demonstrate that they require partial or total assistance with some of their activities of daily living, such as a safely getting washed up or correctly administering their medications.

Applicants must also qualify financially. In 2017, this means that an applicant must have gross monthly income less than $2,205. Individuals over the income limit may set up a special income trust account to direct some of their income exclusively towards medical or care costs. Married applicants only count income in their name, not their wife’s or husband’s income.

In addition to the income criteria, the countable asset limit is $2,000, if the applicant is single. If married, the limit is $3,000. There are financial protections for the applicants’ spouses, where they are permitted to protect some of their savings from spend down. Currently, the maximum allowed to be protected is $120,900.  

For some families, while their income and assets exceed the eligibility limits, they still cannot afford the cost of care. There is the option of working with a professional Medicaid planner to bring assets and income in line with the requirements. These individuals are knowledgeable about Medicaid law nuances in each state and can help to re-structure an individual's or family's excess income into Miller income trusts and maximize exempted assets.  Find assistance to prepare for Medicaid.

 

Benefits and Services

The E&D Waiver's objective is to assist persons to live outside of nursing homes and to assist their loved one's in helping to care for them.  Accordingly the benefits are selected to help the individual, their family and caregivers achieve this objective.   Under this waiver, candidates are eligible to receive the following types of care and support.

  • Adult Day Health -Education, health screening, therapeutic activities, etc.
  • Case Management
  • Non-Medical Companion Services 
  • Home Delivered Meals - Frozen meals, shelf-stable meals, and breakfast meals
  • Homemaker Services - Meal preparation, house cleaning, grocery shopping, etc.
  • Personal Care - Aid with dressing oneself, bathing, eating, etc.
  • Skilled and Unskilled Respite Care - Provided in the eligible individual’s home

 

How to Apply / Learn More

The program is available statewide throughout Alabama. However, it is not an entitlement, like Medicaid's nursing home benefits. There are a limited number of slots available (9,205 in 2007), so in some areas there may be waiting lists for services. To learn more, download the rules and regulations here

One can apply online for Medicaid in Alabama or by contacting their local Area Agency on Aging.  To apply specifically for this waiver, persons who are already enrolled in Medicaid can call 1-800-AGE-LINE.

Did You Know? There are approximately 100 people living in Alabama over the age of 100.