Page Reviewed / Updated - Jan. 2016
This Kansas KanCare (Medicaid) Home and Community Based Services waiver, sometimes abbreviated as HCBS/FE, is designed to help the elderly who require nursing home level care. The Kansas Department for Aging and Disability Services (KDADS) provides qualifying participants with services and support to enable them to remain living in their homes, in family homes or otherwise in their communities instead of in a nursing home.
Some of the services provided under this waiver are open to self-direction. Self-direction or consumer direction is based on a Medicaid demonstration project called Cash and Counseling in which participants have the flexibility to select their own care providers. Most notable among the services that can be self-directed is attendant or personal care. As little to no professional training is required to provide this type of care, a wide variety of persons can be hired including friends and family members.
The Frail and Elderly Waiver considers the age, level of impairment and finances of its applicants.
Age - Applicants must be at least 65 years of age.
Level of Impairment - Applicants must be assessed by a medical team and determined to require the level of care typically provided in a nursing home. In simple terms, this means most applicants require assistance with at least 2 or 3 activities of daily living.
Finances - The Frail Elderly Waiver considers both an applicant's monthly income and their "countable assets". In 2016, seniors with monthly income less than $727 are considered fully eligible. However those with monthly income up to $2,199 can receive assistance, but are required to pay a share of the cost.
The combined value of his or her assets or savings is limited to $2,000. Personal belongings, primary vehicles and homes are not included in the calculation of assets (provided the home equity value does not exceed $552,000).
Qualifying When Over the Limits
In Kansas, it is still possible to qualify for medical assistance through the Medicaid and the Frail and Elderly Waiver when one's financial holdings exceed the monetary limits. There are two ways in which to do this.
1) Individuals with very high, recurring medical expenses that consume the majority of their income may qualify under the Medically Needy program if their medical and care expenses reduce their disposable income to less than $495 / month.
2) Persons can re-organization their finances to meet the limits. Medicaid planners help to re-structure incomes into trusts and assets into exempt assets. By doing so, they effectively lower one's income and assets to a Medicaid compliant level. Learn more.
The services available to waiver participants can include those listed below. Each applicant is assessed and re-assessed periodically to ensure their care needs are being met by their approved benefits. Some of these services can be self-directed.
The program is available statewide to all Kansas residents. The Kansas Department for Aging and Disability Services manages the program. One can find a local office of their Aging and Disability Resource Center to apply or call 1-855-200-2372 for more information. Learn more about the waiver here.
Wait lists for Medicaid waivers are common, but at the time of writing, the Frail Elderly Waiver did not have a wait list.