Understanding the Aged and Disabled Medicaid Waiver: A Lifeline for Seniors and People with Disabilities

Understanding the Aged and Disabled Medicaid Waiver: A Lifeline for Seniors and People with Disabilities

When aging or disability brings challenges to daily living, many families struggle with the cost and logistics of care. That’s where the Aged and Disabled (AD) Medicaid Waiver comes in—a program designed to support eligible individuals who prefer to receive long-term care at home or in a community setting, rather than in a nursing facility.

If you're caring for a loved one or planning for your own future, understanding this program can make a life-changing difference. Let’s break down what the waiver is, who qualifies, what services it covers, and how you can apply—especially in Nebraska.

What Is the Aged and Disabled Medicaid Waiver?

The Aged and Disabled Waiver is part of Medicaid’s Home and Community-Based Services (HCBS). It allows states like Nebraska to use Medicaid funds to provide personal care, skilled services, and support in non-institutional settings.

In short: it helps people stay independent and safely at home by covering services that would otherwise only be available in a nursing home.

Who Is Eligible in Nebraska?

To qualify for the Aged and Disabled Waiver in Nebraska, an applicant must meet both functional and financial criteria:

1. Age or Disability:

  • Be aged 65 or older
    OR

  • Be under 65 with a qualifying disability

2. Level of Care:

  • Must require a level of care typically provided in a nursing facility (determined through a state assessment)

3. Financial Requirements:

  • Be eligible for Nebraska Medicaid

  • In 2025, income must generally be under $1,255/month for individuals (varies annually)

  • Limited assets (usually under $2,000 for individuals, not including a primary home and vehicle)

What Services Are Covered?

The waiver covers a wide variety of services to help individuals stay in their homes or community-based settings like assisted living.

Common Services Include:

  • Personal care services (bathing, dressing, grooming)

  • Skilled nursing and home health aide services

  • Adult day care

  • Homemaker services (light housekeeping, meal prep)

  • Respite care (relief for family caregivers)

  • Home modifications (grab bars, wheelchair ramps)

  • Emergency response systems

  • Case management (a support coordinator helps plan and manage services)

At Xtrakare, we provide many of these services under waiver coverage—including compassionate personal care, medication reminders, and respite for families—so your loved one can thrive at home.

Benefits of the Aged and Disabled Waiver

  • Stay at Home: Reduces or eliminates the need for nursing home placement

  • Customized Care Plans: Services tailored to each person’s unique needs

  • Support for Caregivers: Provides respite and coordination to reduce burnout

  • Cost-Effective: Funded by Medicaid, reducing financial stress for families

How to Apply in Nebraska

Applying involves a few steps, and while it may seem overwhelming, help is available every step of the way:

Step-by-Step:

  1. Contact DHHS – Nebraska Department of Health and Human Services at 1-877-667-6266

  2. Request a Level of Care Assessment

  3. Apply for Medicaid (if not already enrolled)

  4. Choose a Service Provider – like Xtrakare, to deliver your approved services

  5. Work with a Case Manager – to build a plan of care that matches your needs

You can also reach out to local Area Agencies on Aging or Medicaid navigators for guidance.

How Xtrakare Can Help

At Xtrakare, we are proud to partner with families in Nebraska through the Aged and Disabled Waiver. Our trained caregivers and support coordinators understand the ins and outs of Medicaid eligibility and services. Whether you need help navigating the application, choosing the right care services, or ensuring your loved one receives the dignity and attention they deserve—we’re here for you.

Final Thoughts

The Aged and Disabled Medicaid Waiver is more than a program—it’s peace of mind. It empowers Nebraska families to care for loved ones in the place they feel safest: home.

If you're considering in-home care and want to know if you or a loved one qualify, contact Xtrakare today for a free consultation. We’re ready to walk with you, every step of the way.

Need Help Applying or Have Questions?
📞 Call Xtrakare at 5313257170
🌐 Visit us at xtrakare.com
📍 Serving Omaha and surrounding Nebraska communities

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