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Medicaid Waivers and Assisted Living

North Carolina has no Medicaid waiver dedicated to assisted living. CAP/DA pays for in-home services only, and room and board in an adult care home is instead covered through State/County Special Assistance.

HomeCosts & PayingMedicaid Waivers and Assisted Living
Short answer

North Carolina does not run a Medicaid waiver dedicated to assisted living. Its one Medicaid HCBS waiver relevant to seniors, CAP/DA, pays for in-home services only. Room and board inside an adult care home is instead covered through State/County Special Assistance, a state- and county-funded cash program -- not a Medicaid waiver.

CAP/DA: in-home only

Community Alternatives Program for Disabled Adults (CAP/DA) is NC's Medicaid HCBS waiver (1915(c)) for adults 18+ who need a nursing-facility level of care but wish to remain in their own home/community. It covers 18 in-home and community-based services including adult day health, in-home aide services, home modifications/equipment, meal preparation, respite care, personal emergency response systems, specialized medical supplies, case management, and consumer-directed care allowing beneficiaries to hire/supervise their own caregivers.

Special Assistance: room and board, not a waiver

North Carolina does NOT have a Medicaid HCBS waiver specifically covering room-and-board or services in assisted living/adult care homes. There is no 'CAP/AL' or equivalent ALF waiver in NC's Medicaid waiver portfolio. Room and board in adult care homes for low-income residents is instead covered through the State/County Special Assistance (SA) program, which is explicitly a state- and county-funded cash supplement program, NOT a Medicaid waiver (see nf_medicaid/merp-adjacent note below). SA recipients are also automatically eligible for Medicaid, which then covers medical/personal care costs, but SA itself pays the room-and-board portion.

Personal Care Services, layered on top

Medicaid State Plan Personal Care Services (PCS) can pay for hands-on personal care within a licensed adult care home for Medicaid-eligible residents, layered on top of Special Assistance's room-and-board payment.

Source: NC Special Assistance program

Source: CAP/DA program

Questions families ask

What is the NC Medicaid Estate Recovery Program and will it take my parent's house after they pass away?

North Carolina's Medicaid Estate Recovery Program (MERP) allows the state to seek reimbursement from a deceased Medicaid recipient's probate estate for nursing facility, home- and community-based waiver, and related hospital/prescription costs paid on their behalf, generally for recipients who were 55 or older when they received those services. Recovery only begins after death, is generally deferred while a surviving spouse is alive, and includes protections for a minor or disabled child and for cases of undue hardship.

Do assisted living costs vary between different parts of the Triangle, like Cary versus more rural Harnett County?

Almost certainly yes in practice, but there is no published metro-specific cost breakdown to confirm exact differences -- CareScout's Cost of Care Survey reports only a single North Carolina statewide median ($6,496/month for assisted living in 2025), not figures broken out by city or county. Wake County communities in higher-cost areas like Cary or North Raleigh may charge more than communities in more rural counties such as Harnett or Franklin, but families need to request direct quotes to compare.

What does long-term care insurance typically cover, and should I buy it now to help pay for future care in Raleigh?

Long-term care insurance is a private insurance product that can help pay for services like assisted living, nursing home care, memory care, and in-home care once a policyholder meets the policy's benefit trigger (typically needing help with a set number of activities of daily living or having cognitive impairment). Whether to buy a policy is a personal financial decision that depends on health, age, and budget, and should be made with a licensed insurance agent or financial advisor -- this is general information, not personalized financial advice.

If my family can't afford private-pay assisted living in Wake County, what are our realistic options?

Options generally include North Carolina's State/County Special Assistance program (a state/county cash supplement for low-income adult care home residents, paired with automatic Medicaid eligibility), CAP/DA Medicaid waiver services if the person can remain safely at home, and eventually nursing facility Medicaid if a nursing-facility level of care is needed and financial limits are met. VA Aid & Attendance can also help qualifying wartime veterans and surviving spouses. Contact the Wake County Department of Human Services or an elder law attorney to determine which programs apply.

What is the NC Long-Term Care Ombudsman Program and who runs it?

The NC Long-Term Care Ombudsman Program advocates for residents of nursing homes, adult care homes, and family care homes, investigating and resolving complaints and protecting resident rights. It is run by the NC Division of Aging and Adult Services (part of NCDHHS) at the state level, with 16 regional Offices of the Long-Term Care Ombudsman housed within regional Area Agencies on Aging across the state.

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