Does Medicare or Medicaid Pay for Home Care in Maryland?

Medicare and non-medical home care

Medicare may cover certain skilled home health services when eligibility rules are met, but it generally does not pay for ordinary non-medical custodial care such as ongoing companion help, errands, bathing support, or long-term daily supervision. 2026 Medicare resources still describe home health coverage as limited for many older adults.

Maryland Medicaid and community-based support

Maryland Medicaid and related home and community-based services may help some qualifying older adults or people with disabilities receive support at home. Public Maryland resources point families toward programs such as home and community-based services, Community First Choice, and waiver pathways, but coverage depends on eligibility, assessment, service type, and provider requirements.

• Ask what type of care is needed
• Check whether support is medical, non-medical, or long-term support
• Confirm eligibility through Maryland Access Point, Maryland Medicaid, or the appropriate benefits office

Private pay and other options

Many families use private pay, long-term care insurance, Veterans benefits, or a blend of resources. The care conversation should separate the care plan from the payment path so the family understands both.