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Paying for care

Assistance Programs by State

Reviewed by the AllyKin Editorial TeamCMS data via Medicare.gov Care CompareLast updated: January 2025Methodology: How we research and rank →

Top programs families use to fund senior care — Medicaid HCBS waivers, VA benefits, and long-term care insurance. Interactive screeners linked for each state.

StateMedicaid / waiverVA benefitsPrivate pay option
TexasSTAR+PLUS / Texas Medicaid HCBSVA Aid & AttendanceLong-term care insurance (if purchased)
FloridaFlorida SMMC Long-Term CareVA Aid & AttendanceLong-term care insurance (if purchased)
CaliforniaMedi-Cal / Assisted Living Waiver (ALW)VA Aid & AttendanceLong-term care insurance (if purchased)
New YorkNY Medicaid MLTC / Assisted Living Program (ALP)VA Aid & AttendanceLong-term care insurance (if purchased)
PennsylvaniaPA CHC Waiver / OPTIONS ProgramVA Aid & AttendanceLong-term care insurance (if purchased)
OhioOhio PASSPORT / Assisted Living WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
IllinoisIllinois Supportive Living Program (SLP)VA Aid & AttendanceLong-term care insurance (if purchased)
GeorgiaGeorgia CCSP / SOURCE WaiversVA Aid & AttendanceLong-term care insurance (if purchased)
ArizonaArizona ALTCSVA Aid & AttendanceLong-term care insurance (if purchased)
North CarolinaNC CAP / Medicaid Innovations WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
MichiganMI HCBS Waiver / MI ChoiceVA Aid & AttendanceLong-term care insurance (if purchased)
New JerseyNJ Managed Long-Term Services and Supports (MLTSS)VA Aid & AttendanceLong-term care insurance (if purchased)
WashingtonWA COPES / New Freedom WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
MassachusettsMassHealth / Group Adult Foster CareVA Aid & AttendanceLong-term care insurance (if purchased)
VirginiaVirginia Commonwealth Coordinated Care PlusVA Aid & AttendanceLong-term care insurance (if purchased)
ColoradoColorado HCBS / Elderly Blind and Disabled WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
MinnesotaMinnesota MA / Elderly Waiver (EW)VA Aid & AttendanceLong-term care insurance (if purchased)
WisconsinWisconsin Family Care / IRISVA Aid & AttendanceLong-term care insurance (if purchased)
MissouriMissouri MO HealthNet / HCBS WaiversVA Aid & AttendanceLong-term care insurance (if purchased)
TennesseeTennessee CHOICES / MedicaidVA Aid & AttendanceLong-term care insurance (if purchased)
South CarolinaSC Community Choices WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
IndianaIndiana PathWays / Aged & Disabled WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
MarylandMaryland Medicaid / Community Options WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
AlabamaAlabama Elderly & Disabled Waiver (E&D)VA Aid & AttendanceLong-term care insurance (if purchased)
AlaskaAlaska Medicaid / Waiver ProgramsVA Aid & AttendanceLong-term care insurance (if purchased)
ArkansasArkansas ARChoices / Living ChoicesVA Aid & AttendanceLong-term care insurance (if purchased)
ConnecticutConnecticut Medicaid / CHCPEVA Aid & AttendanceLong-term care insurance (if purchased)
DelawareDelaware Diamond State Health Plan PlusVA Aid & AttendanceLong-term care insurance (if purchased)
HawaiiHawaii QUEST Integration / PACEVA Aid & AttendanceLong-term care insurance (if purchased)
IdahoIdaho Aged & Disabled WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
IowaIowa Health and Wellness Plan / HCBS WaiversVA Aid & AttendanceLong-term care insurance (if purchased)
KansasKansas KanCare / HCBS WaiversVA Aid & AttendanceLong-term care insurance (if purchased)
KentuckyKentucky Medicaid / Michelle P. WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
LouisianaLouisiana LT-PCS / NOW & CC WaiversVA Aid & AttendanceLong-term care insurance (if purchased)
MaineMaineCare / HCBS WaiversVA Aid & AttendanceLong-term care insurance (if purchased)
MississippiMississippi CAN / Elderly & Disabled WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
MontanaMontana Big Sky Waiver / HCBSVA Aid & AttendanceLong-term care insurance (if purchased)
NebraskaNebraska Heritage Health / Aged & Disabled WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
New HampshireNew Hampshire Medicaid / Choices for IndependenceVA Aid & AttendanceLong-term care insurance (if purchased)
North DakotaNorth Dakota Medicaid / Aged & Disabled WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
New MexicoNew Mexico Centennial Care / DD & CoLTS WaiversVA Aid & AttendanceLong-term care insurance (if purchased)
NevadaNevada Medicaid / HCBS WaiversVA Aid & AttendanceLong-term care insurance (if purchased)
OklahomaOklahoma ADvantage / Living ChoiceVA Aid & AttendanceLong-term care insurance (if purchased)
OregonOregon K Plan / HCBS WaiversVA Aid & AttendanceLong-term care insurance (if purchased)
Rhode IslandRhode Island Medicaid / Global Consumer ChoiceVA Aid & AttendanceLong-term care insurance (if purchased)
South DakotaSouth Dakota Medicaid / CHOICES WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
UtahUtah Medicaid / Aging WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
VermontVermont Medicaid / Choices for CareVA Aid & AttendanceLong-term care insurance (if purchased)
West VirginiaWest Virginia Medicaid / Aged & Disabled WaiverVA Aid & AttendanceLong-term care insurance (if purchased)
WyomingWyoming Medicaid / HCBS WaiversVA Aid & AttendanceLong-term care insurance (if purchased)
District of ColumbiaDC Medicaid / EPD WaiverVA Aid & AttendanceLong-term care insurance (if purchased)

Room and board in assisted living is usually private pay even when Medicaid waivers cover care services. Always confirm waiver acceptance with each community. Full paying-for-care guide →

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