If your parent needs nursing-home-level care but wants to stay at home, Michigan's MI Choice Waiver is the Medicaid program that pays for it. It covers personal care, home modifications, respite, adult day health, private duty nursing, and a range of other long-term services regular Medicaid doesn't, delivered in the participant's own home or another residential setting.
It is also one of the most valuable, most complex, and most waitlisted senior programs in Michigan. This guide explains who qualifies, what's covered, how the application process works, and what the Self-Determination Option means for paying family caregivers.
In This Guide
- Key Takeaways
- What the MI Choice Waiver Is
- Who Qualifies
- Covered Services
- Self-Direction: Paying Family as Caregivers
- The Waitlist Reality
- How to Apply
- Appeals and Rights
- Common Misconceptions
- Frequently Asked Questions
- Where to Get Help
- Learn More
What the MI Choice Waiver Is
MI Choice is a 1915(c) Home and Community-Based Services (HCBS) waiver, approved by the federal Centers for Medicare & Medicaid Services (CMS) under sections 1915(b) and 1915(c) of the Social Security Act. In plain language, it is a Medicaid benefit that "waives" the federal rule that long-term care be provided in a nursing facility, so Michigan can pay for equivalent services in the home and community instead.U.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217
The Michigan Department of Health and Human Services (MDHHS) administers the program, but the front-line work is done by a network of enrolled providers that operate as Prepaid Ambulatory Health Plans, commonly called Waiver Agencies. The approved waiver application describes twenty waiver agencies, fourteen of them Area Agency on Aging (AAA) organizations, and MDHHS publishes a Waiver Agency Region Map so you can find the one serving your community.U.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217
Two facts about MI Choice set it apart from regular Medicaid:
- MI Choice is not an entitlement. Capacity is limited to a maximum number of participants set in the approved waiver application, and each Waiver Agency is allocated a specific number of slots each fiscal year. When an agency reaches capacity, any screened applicant must be placed on its waiting list. This is the single biggest structural difference from Nursing Home Medicaid, which is an entitlement with no cap.U.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217
- MI Choice covers services, not room and board. Community Living Supports does not include the costs associated with room and board, and respite excludes them too, with one exception: respite furnished in a facility approved by MDHHS that is not a private residence.U.S. Government Publishing Office. (n.d.). 42 CFR 441.310 — Limits on Federal financial participation (FFP) (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-441.310
Who Qualifies
MI Choice has three eligibility gates: age/disability, clinical (level of care), and financial. All three must be met.
Age and Disability
MI Choice serves two populations:
- Elderly adults, age 65 or older
- Adults with disabilities, age 18 or olderU.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217
Clinical: Nursing Facility Level of Care via the LOCD
Applicants must meet Nursing Facility Level of Care (NFLOC), established in Michigan through the online Level of Care Determination (LOCD). The Waiver Agency must conduct the LOCD in person with the applicant, or adopt an LOCD another provider already completed. The assessment data is entered into the state's CHAMPS system, and CHAMPS makes the level-of-care determination.U.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217
The LOCD is a functional eligibility test, so what it measures is day-to-day functioning rather than a diagnosis on its own. Ask your Waiver Agency what the assessment covers before the visit, so the right person is there to answer for the applicant.
Critically, MI Choice enrollment requires Supports Coordination plus at least one other waiver service. If a potential participant would only need one service (say, PERS), they don't meet the enrollment threshold. The approved waiver application adds a frequency bound to that count: waiver services must be provided at least monthly, or, where the need is less than monthly, the participant must receive regular monthly monitoring documented in the service plan.U.S. Government Publishing Office. (n.d.). 42 CFR 441.310 — Limits on Federal financial participation (FFP) (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-441.310,U.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217
Financial: Income and Asset Tests
For 2026:Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 42 U.S.C. 1396r-5 (Social Security Act sec. 1924, spousal impoverishment), U.S. Code prelim, Office of the Law Revision Counsel — the CSRA is the GREATEST of four alternatives; the dollar cap binds only clauses (i) and (ii)(II); the (e)(2) hearing and (f)(3) court-order routes carry no dollar amount. uscode.house.gov. Retrieved Aug 4, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section1396r-5&num=0&edition=prelim
- Single applicant income limit: $2,982/month (300% of the SSI Federal Benefit Rate of $994).Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 42 U.S.C. 1396r-5 (Social Security Act sec. 1924, spousal impoverishment), U.S. Code prelim, Office of the Law Revision Counsel — the CSRA is the GREATEST of four alternatives; the dollar cap binds only clauses (i) and (ii)(II); the (e)(2) hearing and (f)(3) court-order routes carry no dollar amount. uscode.house.gov. Retrieved Aug 4, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section1396r-5&num=0&edition=prelim
- Single applicant asset limit: $9,950.Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 42 U.S.C. 1396r-5 (Social Security Act sec. 1924, spousal impoverishment), U.S. Code prelim, Office of the Law Revision Counsel — the CSRA is the GREATEST of four alternatives; the dollar cap binds only clauses (i) and (ii)(II); the (e)(2) hearing and (f)(3) court-order routes carry no dollar amount. uscode.house.gov. Retrieved Aug 4, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section1396r-5&num=0&edition=prelim
- Couples, one applying: The at-home spouse keeps half the couple's countable assets, but not more than $162,660, under the Community Spouse Resource Allowance. The minimum resource standard is $32,532.Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 42 U.S.C. 1396r-5 (Social Security Act sec. 1924, spousal impoverishment), U.S. Code prelim, Office of the Law Revision Counsel — the CSRA is the GREATEST of four alternatives; the dollar cap binds only clauses (i) and (ii)(II); the (e)(2) hearing and (f)(3) court-order routes carry no dollar amount. uscode.house.gov. Retrieved Aug 4, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section1396r-5&num=0&edition=prelim
- MMNA for the at-home spouse: A basic allowance of $2,705.00/month, up to a maximum of $4,066.50/month.Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 42 U.S.C. 1396r-5 (Social Security Act sec. 1924, spousal impoverishment), U.S. Code prelim, Office of the Law Revision Counsel — the CSRA is the GREATEST of four alternatives; the dollar cap binds only clauses (i) and (ii)(II); the (e)(2) hearing and (f)(3) court-order routes carry no dollar amount. uscode.house.gov. Retrieved Aug 4, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section1396r-5&num=0&edition=prelim
- Home equity cap: $752,000. The cap does not apply when a spouse, a child under 21, or a blind or disabled child lives in the home.Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 42 U.S.C. 1396r-5 (Social Security Act sec. 1924, spousal impoverishment), U.S. Code prelim, Office of the Law Revision Counsel — the CSRA is the GREATEST of four alternatives; the dollar cap binds only clauses (i) and (ii)(II); the (e)(2) hearing and (f)(3) court-order routes carry no dollar amount. uscode.house.gov. Retrieved Aug 4, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section1396r-5&num=0&edition=prelim
Michigan is a medically-needy state. An applicant whose income exceeds the limit may be able to spend down: excess income is applied to incurred medical expenses to reach the Protected Income Level (PIL), which for a fiscal group of one runs $341 to $408 per month by county shelter area, and $37 per month for someone in long-term care the entire month.Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 42 U.S.C. 1396r-5 (Social Security Act sec. 1924, spousal impoverishment), U.S. Code prelim, Office of the Law Revision Counsel — the CSRA is the GREATEST of four alternatives; the dollar cap binds only clauses (i) and (ii)(II); the (e)(2) hearing and (f)(3) court-order routes carry no dollar amount. uscode.house.gov. Retrieved Aug 4, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section1396r-5&num=0&edition=prelim Ask your MDHHS caseworker how that pathway applies to a MI Choice application specifically before you count on it.
Covered Services
The MDHHS Medicaid Provider Manual and the MI Choice Participant Handbook list 17 covered service categories. The CMS-approved 1915(c) waiver renewal also names Assistive Technology, Residential Services, Supports Brokerage, and Vehicle Modifications, which the current provider-manual chapter does not enumerate separately, so ask your Waiver Agency which of those four it provides today.U.S. Government Publishing Office. (n.d.). 42 CFR 441.310 — Limits on Federal financial participation (FFP) (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-441.310 The care plan is built around what each participant needs; no one receives everything.
Required
Supports Coordination (case management). Every participant is assigned a supports coordinator who assesses needs, builds the individualized care plan, arranges services, monitors quality, and coordinates with the participant's medical providers. The supports coordinator is the single most important point of contact.U.S. Government Publishing Office. (n.d.). 42 CFR 441.310 — Limits on Federal financial participation (FFP) (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-441.310
Personal Care and Daily Living
- Community Living Supports: help with bathing, dressing, toileting, transferring, eating, meal preparation, shopping, and other ADL and IADL tasks.
- Home Delivered Meals.
- Chore Services: heavy housekeeping, lawn mowing, snow removal, window washing.
Health and Medical
- Nursing Services (preventive and intermittent skilled nursing).
- Private Duty Nursing and Respiratory Care for participants with complex medical needs.
- Specialized Medical Equipment and Supplies.
- Counseling.
- Personal Emergency Response System (PERS).
Environmental and Accessibility
- Environmental Accessibility Adaptations: home modifications such as ramps, grab bars, widened doorways, and accessible bathrooms.
Respite and Day Programs
- Respite: in-home or out-of-home short-term care to give a family caregiver a break.
- Adult Day Health (Adult Day Care): supervised, structured daytime care at a community center.
Transportation and Community Living
- Community Transportation: medical or non-medical transportation.
- Community Health Worker services to help connect with community resources.
Self-Direction Support
- Fiscal Intermediary: payroll and tax handling for participants who self-direct their own workers (see below).
- Goods and Services: a flexible budget line for one-time purchases that promote independence.
- Training.
Self-Direction: Paying Family as Caregivers
MI Choice supports consumer direction: a participant (or their representative) can self-direct their own care, becoming the employer of their own workers. Payroll, tax withholding, and the associated paperwork are handled by a Fiscal Intermediary, a covered MI Choice service.U.S. Government Publishing Office. (n.d.). 42 CFR 441.310 — Limits on Federal financial participation (FFP) (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-441.310
The question families ask first is who can be paid, and the honest answer is narrower than most guides suggest. MDHHS's posted Self-Determination in Long Term Care guidelines state that the participant cannot choose legal spouses, guardians, or representatives of the participant as paid workers, so a spouse generally cannot be paid under MI Choice self-direction. Other relatives are not named in that bar. MDHHS's May 2025 introduction to Structured Family Caregiving, a newer MI Choice live-in caregiver service, lists spousal pay as "TBD" for that service and as allowed "in limited situations" for Community Living Supports, so the policy is both restrictive and unsettled.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - MI Choice Waiver (0233.R06.00). medicaid.gov. Retrieved Sep 3, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82076 Confirm the current rule with your regional Waiver Agency before you count on caregiver pay.
Ask the same agency what it pays self-directed workers in your region, since the rate is set locally rather than published as a single statewide figure.
Families able to manage scheduling, timesheets, and payroll paperwork may find self-direction workable. Families without that capacity should take the agency-directed route, which trades some control for simplicity.
The Waitlist Reality
Because MI Choice capacity is capped at the slots set in the approved waiver application and allocated to each Waiver Agency, an agency at capacity must place any screened applicant on its waiting list, ordered by priority category and then by request date. Read that ranking as a queue position, not a promise: the approved waiver application states that because of unique circumstances pertaining to each applicant, actual enrollment may vary from an individual's waiting list ranking.U.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217
Wait times are not published as a statewide figure, and they differ by Waiver Agency and by priority category. Treat any number you read elsewhere with suspicion: the only reliable answer for your family is the one your Waiver Agency gives you at screening, when it can tell you which priority category the applicant falls into and what that has meant in your region recently.
While waiting, many families turn to the Home Help Program, Michigan's Medicaid state-plan personal care benefit. Because it is a state-plan benefit rather than a capped waiver, it is an entitlement with no enrollment cap and no waiting list, and its functional test is hands-on assistance with at least one activity of daily living rather than nursing facility level of care.Centers for Medicare & Medicaid Services. (1915). Self-Directed Personal Assistant Services 1915 (j). medicaid.gov. Retrieved Jun 24, 2026, from https://www.medicaid.gov/medicaid/home-community-based-services/home-community-based-services-authorities/self-directed-personal-assistant-services-1915-j
Thinking about MI Choice but worried about the waitlist? Chat with Brevy and we'll map out your fastest path: Home Help now, MI Choice application started today, and a practical plan for the gap.
How to Apply for the MI Choice Waiver
MI Choice applications move through six stages, from your first call to your first home visit.
Find your Waiver Agency
MDHHS publishes a Waiver Agency Region Map and contact list on its MI Choice Waiver Program page at michigan.gov/mdhhs.U.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217 If you want help weighing options first, Michigan's statewide MI Options line, 800-803-7174, runs 8 a.m. to 8 p.m. Monday through Friday and provides free options counseling and referrals. It is a counseling and referral line, not a MI Choice application line.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov — MI Choice Waiver (0233.R06.00). medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82076
Screening
The Waiver Agency screens the applicant for age or disability, functional need, and finances. Whenever the number of participants exceeds program capacity, any screened applicant must be placed on the MI Choice waiting list.U.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217
LOCD assessment
The Waiver Agency completes the Level of Care Determination in person with the applicant and submits it in CHAMPS. Have a family member present to answer questions the applicant can't.U.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217
Financial eligibility review through MDHHS
While the Waiver Agency handles the clinical side, the applicant files the Medicaid application, the MDHHS-1171 Assistance Application (or its equivalent online through MI Bridges); a long-term-care applicant already in a nursing facility files the DHS-4574, Medicaid Application for Nursing Facility Patients. A married couple uses a separate form, the DHS-4574-B Assets Declaration, to request the initial asset assessment that decides how much of their assets are protected for the at-home spouse. Either spouse may request it even when no Medicaid application is being made, and MDHHS must complete the assessment and mail both spouses a notice within 45 days of receiving the signed form.U.S. Government Publishing Office. (n.d.). 42 CFR 435.912(c)(3) — Timely determination and redetermination of eligibility (eCFR). ecfr.gov. Retrieved Jul 31, 2026, from https://www.ecfr.gov/current/title-42/section-435.912 The caseworker reviews income, assets, and the 60-month look-back. MDHHS must certify approval or denial within 45 days, or 90 days for MA categories in which disability is an eligibility factor.U.S. Government Publishing Office. (n.d.). 42 CFR 435.912(c)(3) — Timely determination and redetermination of eligibility (eCFR). ecfr.gov. Retrieved Jul 31, 2026, from https://www.ecfr.gov/current/title-42/section-435.912
Person-Centered Plan of Service (PCPS)
Once both clinical and financial eligibility are confirmed and a slot is available, the supports coordinator builds an individualized care plan with the participant and family.
Service start
The supports coordinator arranges providers, and services begin.
The only published deadline on that sequence is the Medicaid financial determination: 45 days, or 90 when disability is an eligibility factor.U.S. Government Publishing Office. (n.d.). 42 CFR 435.912(c)(3) — Timely determination and redetermination of eligibility (eCFR). ecfr.gov. Retrieved Jul 31, 2026, from https://www.ecfr.gov/current/title-42/section-435.912 The clinical assessment, the care planning, and any wait for an open slot sit on top of it, so ask your Waiver Agency to estimate the whole timeline for your region rather than working from a national average.
Appeals and Rights
A denial or reduction of MI Choice services is appealable, and the written notice of case action is what starts the clock.
The appeal pathway:
Internal appeal to the Waiver Agency first
A recipient enrolled with a MI Choice waiver agency who disagrees with an adverse benefit determination must exhaust that agency's internal appeal before becoming eligible to request a state fair hearing.U.S. Government Publishing Office. (n.d.). 42 CFR 431.221(d) — Request for hearing (eCFR). ecfr.gov. Retrieved Sep 4, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-431/subpart-E/subject-group-ECFR1a5b46danda42df/section-431.221
Administrative hearing before MOAHR
The Michigan Office of Administrative Hearings and Rules (MOAHR) hears Medicaid appeals. You have 90 calendar days from the date of the written notice of case action to request a hearing, and the request must be received in your local MDHHS office within that window.U.S. Government Publishing Office. (n.d.). 42 CFR 435.912(c)(3) — Timely determination and redetermination of eligibility (eCFR). ecfr.gov. Retrieved Jul 31, 2026, from https://www.ecfr.gov/current/title-42/section-435.912 MOAHR uses form DCH-0018 to contest an MDHHS eligibility action and DCH-0092 for a Medicaid service-level issue; its beneficiary help line is 1-800-648-3397.U.S. Government Publishing Office. (n.d.). 42 CFR 431.221(d) — Request for hearing (eCFR). ecfr.gov. Retrieved Sep 4, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-431/subpart-E/subject-group-ECFR1a5b46danda42df/section-431.221
Continued services during the appeal
For Medicaid specifically, MDHHS must maintain benefits if the beneficiary requests a hearing before the effective date of the action, so a notice terminating coverage effective January 1 leaves until December 31 to file and keep benefits. Separately, a request received within 10 days of the date the notice was issued is a timely hearing request, and on a timely request MDHHS reinstates benefits to the former level. One limit matters most: there are no benefits pending the hearing when what you are contesting is a denial at application.U.S. Government Publishing Office. (n.d.). 42 CFR 435.912(c)(3) — Timely determination and redetermination of eligibility (eCFR). ecfr.gov. Retrieved Jul 31, 2026, from https://www.ecfr.gov/current/title-42/section-435.912
Common Misconceptions
"MI Choice and Home Help are the same program." They're not. Home Help is Michigan's Medicaid state-plan personal care benefit, an entitlement with no enrollment cap or waiting list, and its functional test is hands-on help with at least one ADL.Centers for Medicare & Medicaid Services. (1915). Self-Directed Personal Assistant Services 1915 (j). medicaid.gov. Retrieved Jun 24, 2026, from https://www.medicaid.gov/medicaid/home-community-based-services/home-community-based-services-authorities/self-directed-personal-assistant-services-1915-j MI Choice is a 1915(c) waiver with capped enrollment, nursing facility level of care, and far broader services. Many families start with Home Help and move to MI Choice once a slot opens.
"MI Choice pays for my parent's assisted living rent." It doesn't. MI Choice pays for care services, not room and board, and the single exception is respite furnished in a facility approved by MDHHS that is not a private residence.U.S. Government Publishing Office. (n.d.). 42 CFR 441.310 — Limits on Federal financial participation (FFP) (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-441.310
"I can't qualify because my mother has too much income." Michigan is a medically-needy state, so spending down excess income on medical expenses toward the Protected Income Level may be an option.Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 42 U.S.C. 1396r-5 (Social Security Act sec. 1924, spousal impoverishment), U.S. Code prelim, Office of the Law Revision Counsel — the CSRA is the GREATEST of four alternatives; the dollar cap binds only clauses (i) and (ii)(II); the (e)(2) hearing and (f)(3) court-order routes carry no dollar amount. uscode.house.gov. Retrieved Aug 4, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section1396r-5&num=0&edition=prelim Ask MDHHS how that pathway applies to a MI Choice application, and consider an elder-law attorney to structure it.
"A dementia diagnosis guarantees MI Choice approval." The LOCD is a functional eligibility test, so it turns on day-to-day functioning rather than a diagnosis on its own.U.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217 Ask your Waiver Agency to walk you through how the LOCD reads your parent's situation.
"I have to take the Waiver Agency's assigned caregivers." Under self-determination the participant chooses and employs their own workers, though MDHHS's guidelines bar choosing the participant's own legal spouse, guardian, or representative.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - MI Choice Waiver (0233.R06.00). medicaid.gov. Retrieved Sep 3, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82076
Frequently Asked Questions
Who qualifies for the MI Choice Waiver?
MI Choice serves elderly adults age 65 or older and adults with disabilities age 18 or older who meet three tests: age/disability, Nursing Facility Level of Care (determined by the LOCD assessment), and financial eligibility ($2,982/month income and $9,950 asset limit in 2026 for a single applicant).U.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217,Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 42 U.S.C. 1396r-5 (Social Security Act sec. 1924, spousal impoverishment), U.S. Code prelim, Office of the Law Revision Counsel — the CSRA is the GREATEST of four alternatives; the dollar cap binds only clauses (i) and (ii)(II); the (e)(2) hearing and (f)(3) court-order routes carry no dollar amount. uscode.house.gov. Retrieved Aug 4, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section1396r-5&num=0&edition=prelim Enrollment also requires Supports Coordination plus at least one other waiver service, delivered at least monthly or, where the need is less than monthly, backed by regular monthly monitoring documented in the service plan.
What's the MI Choice Waiver waitlist like?
MI Choice is not an open entitlement: capacity is capped at the number of participant slots set in the approved waiver application and allocated to each Waiver Agency by fiscal year, so when an agency is full, screened applicants go on its waiting list, ordered by priority category and then by request date. That ranking is not a guarantee of enrollment order: the approved waiver application states that because of unique circumstances pertaining to each applicant, actual enrollment may vary from an individual's waiting list ranking.U.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217 Wait times are not published as a statewide figure and differ by Waiver Agency and priority category, so ask the agency serving your county what the current wait looks like. Families waiting for MI Choice commonly turn to the Home Help Program, which has no enrollment cap and no waiting list, in the meantime.Centers for Medicare & Medicaid Services. (1915). Self-Directed Personal Assistant Services 1915 (j). medicaid.gov. Retrieved Jun 24, 2026, from https://www.medicaid.gov/medicaid/home-community-based-services/home-community-based-services-authorities/self-directed-personal-assistant-services-1915-j
Can I hire a family member as a paid caregiver under MI Choice?
Sometimes, but not a spouse. Under MI Choice self-determination the participant chooses and employs their own workers, with payroll and tax handling done by a Fiscal Intermediary.U.S. Government Publishing Office. (n.d.). 42 CFR 441.310 — Limits on Federal financial participation (FFP) (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-441.310 MDHHS's Self-Determination in Long Term Care guidelines state the participant cannot choose legal spouses, guardians, or representatives of the participant as paid workers, and MDHHS's May 2025 Structured Family Caregiving materials list spousal pay as "TBD" for that service and allowed only "in limited situations" for Community Living Supports.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - MI Choice Waiver (0233.R06.00). medicaid.gov. Retrieved Sep 3, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82076 Relatives other than a spouse are not named in that bar, but the policy is restrictive and unsettled, so confirm it with your regional Waiver Agency, along with what it pays self-directed workers.
Does MI Choice pay for assisted living?
MI Choice pays for care services such as personal care, supports coordination, and respite, but not for room and board. Community Living Supports specifically excludes the costs associated with room and board, and respite excludes them too, except when respite is furnished in a facility approved by MDHHS that is not a private residence.U.S. Government Publishing Office. (n.d.). 42 CFR 441.310 — Limits on Federal financial participation (FFP) (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-441.310
How long does the MI Choice application process take?
The only published deadline covers the Medicaid financial determination: MDHHS must certify approval or denial within 45 days, or 90 days for MA categories in which disability is an eligibility factor.U.S. Government Publishing Office. (n.d.). 42 CFR 435.912(c)(3) — Timely determination and redetermination of eligibility (eCFR). ecfr.gov. Retrieved Jul 31, 2026, from https://www.ecfr.gov/current/title-42/section-435.912 The six stages are: screening by the Waiver Agency, the LOCD assessment, the financial eligibility review through MDHHS, the Person-Centered Plan of Service, provider arrangement, and service start. Any wait for an open slot sits on top of that, so ask your Waiver Agency to estimate the full timeline.
Where to Get Help
Applications go through the Waiver Agency that serves your county, so start with the MDHHS region map rather than a central intake number.U.S. Government Publishing Office. (n.d.). 42 CFR 435.217 — Individuals receiving home and community-based services (eCFR, current). ecfr.gov. Retrieved Sep 3, 2026, from https://www.ecfr.gov/current/title-42/section-435.217
Related Terms
- HCBS waiver: The 1915(c) federal authority behind MI Choice.
- Nursing Facility Level of Care (NFLOC): The clinical eligibility test.
- Consumer-directed care (CDS): The national term for the self-direction model MI Choice uses.
- Activities of Daily Living (ADLs): The functional measures the LOCD scores.
- Medicaid spend-down: Michigan's pathway for over-income applicants.
- Managed Care Organization (MCO): Michigan Medicaid runs through health plans; MI Choice runs through waiver agencies operating as Prepaid Ambulatory Health Plans instead.
Learn More
Find personalized help navigating the MI Choice Waiver at brevy.com.
The information on Brevy.com is for educational purposes only and is not a substitute for professional legal, financial, or medical advice. Rules vary by state and program and change frequently. Always verify with the relevant agency or a qualified professional. Brevy is not a law firm, financial advisor, or healthcare provider.