Florida Medicaid home care at little to no cost
Florida's Statewide Medicaid Managed Care Long-Term Care (SMMC-LTC) program pays for in-home care for eligible seniors and adults with disabilities — and a family member can often be hired and paid as the caregiver.
- $0 out-of-pocket if you qualify
- A spouse or adult child can be the paid caregiver
- We handle the Medicaid paperwork — free
- Serving Miami-Dade, Broward & Palm Beach
What Florida Medicaid covers at home
Through SMMC Long-Term Care plans like Sunshine Health, Humana, and Simply Healthcare, members get the daily support they need to stay safely at home.
Complete home care, across all of Florida
From daily routines to specialized memory support, our caregivers deliver personalized care at home — with our team guiding Medicaid eligibility every step of the way.
Personal Care
Bathing, dressing, grooming, toileting, and everyday mobility support.
Companion Care
Companionship, supervision, errands, and genuine emotional support.
Alzheimer's & Dementia
Specialized, patient memory care delivered in familiar surroundings.
Homemaking
Light housekeeping, laundry, and home-cooked meal preparation.
24-Hour & Live-In
Around-the-clock and live-in care for higher-need routines.
Medicaid Guidance
Free help with SMMC-LTC eligibility and all of the paperwork.
Qualifying is simple — and we do the paperwork
Three state agencies decide Florida Medicaid eligibility — AHCA, DCF, and the CARES team. We deal with all three for you, at no cost.
- 1
Call for a free eligibility check
Tell us your situation. We check income, assets, and care needs against SMMC-LTC rules — and tell you honestly.
- 2
We handle the application
We file your DCF application, book your ADRC screening, and track your CARES assessment through approval — free.
- 3
Get matched with a caregiver
Once approved, we pair you with a Level 2 background-checked caregiver — often the family member you choose.
- 4
Care begins at home
Your caregiver starts, with nurse supervision and ongoing support from our Miami and Fort Lauderdale offices.
Why Florida families choose Cottage for Medicaid home care
Cottage Home Care has helped families live safely and comfortably at home since 2019. Our South Florida team brings that same standard of care to Miami-Dade, Broward, and Palm Beach.
We match caregivers to your family by language and culture — Spanish, Creole, and more — because good care starts with being understood.
From personal care and Alzheimer's support to SMMC-LTC guidance, our caregivers serve Hialeah, Kendall, Coral Gables, Hollywood, West Palm Beach, and every community in between.
Trusted by South Florida families
Real Google reviews from the families we care for across Miami-Dade, Broward, and Palm Beach.
Cottage made it so easy to arrange care for my mother. Our caregiver treats her like family, and I finally have peace of mind knowing she is safe at home.
From the first call, the team was warm and organized. They matched us with a caregiver quickly and the care has been outstanding every single day.
After my husband’s surgery we needed help fast. Cottage handled everything and the caregivers were compassionate, punctual, and truly skilled.
Being able to be paid to care for my dad through the Medicaid program changed everything for our family. Cottage walked us through every step.
The team went above and beyond to make sure I understood every option. Patient, kind, and genuinely caring — five stars without hesitation.
Cottage made it so easy to arrange care for my mother. Our caregiver treats her like family, and I finally have peace of mind knowing she is safe at home.
From the first call, the team was warm and organized. They matched us with a caregiver quickly and the care has been outstanding every single day.
After my husband’s surgery we needed help fast. Cottage handled everything and the caregivers were compassionate, punctual, and truly skilled.
Being able to be paid to care for my dad through the Medicaid program changed everything for our family. Cottage walked us through every step.
The team went above and beyond to make sure I understood every option. Patient, kind, and genuinely caring — five stars without hesitation.
Florida Medicaid home care — your questions answered
Everything you need to know about qualifying for and starting Medicaid-funded in-home care in South Florida.
Eligibility depends on income, assets, and needing a nursing-home level of care — confirmed by the state CARES team. Limits change every year, so the fastest way to know is a free call. We review your situation and tell you honestly whether you're likely to qualify for SMMC Long-Term Care.
Visit our Miami & Fort Lauderdale offices
Call, visit, or send a message — our Miami and Fort Lauderdale teams respond within one business day.