TennCare CHOICES is Tennessee's Medicaid program for adults who need nursing-home-level care. It pays for care in a nursing facility, or for the personal care, attendant care, respite, adult day, home modifications, and other services that let someone stay in their own home or an assisted living community instead. CHOICES enrollment is split roughly evenly between the two.State of Tennessee. (2023). TennCare Annual Report July 2023 - June 2024 (tn.gov) — LTSS enrollment table + MFP. tn.gov. Retrieved Jul 10, 2026, from https://www.tn.gov/content/dam/tn/tenncare/documents/TennCareAnnualFY24.pdf
CHOICES is the most important long-term care program in Tennessee. It's also one of the most misunderstood. It is not a §1915(c) HCBS waiver like most other states use; it lives inside TennCare's §1115 demonstration. It has three different groups with very different rules. And the home-and-community side of the program (Group 2) has a real waitlist that you should understand before you apply.
This guide walks through who qualifies, what's covered, how Consumer Direction works, and what the application actually looks like in 2026.
What TennCare CHOICES Is, and Isn't
CHOICES (Choices in Long-Term Care) is the long-term services and supports (LTSS) part of TennCare. Most state Medicaid programs use a §1915(c) HCBS waiver to deliver home- and community-based long-term care. Tennessee does it differently: CHOICES sits inside the TennCare III §1115(a) demonstration, which CMS approved effective January 8, 2021 through December 31, 2030, stating it "is approving this demonstration for a period of 10 years" so the state would face less administrative burden from frequent renewals.Centers for Medicare & Medicaid Services. (n.d.). Tn tenncare ii cms demo appvl 01082021. medicaid.gov. Retrieved Jul 30, 2026, from https://www.medicaid.gov/medicaid/section-1115-demonstrations/downloads/tn-tenncare-ii-cms-demo-appvl-01082021.pdf
Why the §1115 structure matters in practice:
- Managed care delivery. The rule makes CHOICES "a managed LTSS program that is administered by the TennCare MCOs under contract with the Bureau," and the MCOs coordinate all covered physical, behavioral, and LTSS for their enrolled CHOICES members.Tennessee Secretary of State. (2025). Tenn. Comp. R. & Regs. Ch. 1200-13-01 (TennCare Long-Term Care Programs), Rule 1200-13-01-.05(2) — CHOICES is administered by the TennCare MCOs (Tennessee Secretary of State, October 2025 revision). publications.tnsosfiles.com. Retrieved Jul 30, 2026, from https://publications.tnsosfiles.com/rules/1200/1200-13/1200-13-01.20251005.pdf
- An explicit waiver of reasonable promptness. CMS waived Social Security Act §1902(a)(8) "[t]o the extent necessary to enable the state to limit enrollment in CHOICES 2 and 3 to the enrollment target(s) established by the state, as authorized under STC 33.d." That named waiver, not the §1115 structure by itself, is what lets Tennessee cap Group 2 and Group 3.Centers for Medicare & Medicaid Services. (n.d.). Tn tenncare ii cms demo appvl 01082021. medicaid.gov. Retrieved Jul 30, 2026, from https://www.medicaid.gov/medicaid/section-1115-demonstrations/downloads/tn-tenncare-ii-cms-demo-appvl-01082021.pdf
- Continuity through 2030. Because the §1115 was approved through December 31, 2030, CHOICES has roughly five years of authorized runway from 2026.Centers for Medicare & Medicaid Services. (n.d.). Tn tenncare ii cms demo appvl 01082021. medicaid.gov. Retrieved Jul 30, 2026, from https://www.medicaid.gov/medicaid/section-1115-demonstrations/downloads/tn-tenncare-ii-cms-demo-appvl-01082021.pdf
The CHOICES At Risk Demonstration Group, which receives Group 3 services, "will be opened to new enrollment effective October 1, 2022, up to an enrollment target of 1,750 new individuals enrolled in the group."Centers for Medicare & Medicaid Services. (n.d.). Tn tenncare ii cms demo appvl 01082021. medicaid.gov. Retrieved Jul 30, 2026, from https://www.medicaid.gov/medicaid/section-1115-demonstrations/downloads/tn-tenncare-ii-cms-demo-appvl-01082021.pdf
The PACE alternative, Hamilton County only. TennCare's PACE page lists "You must live in Hamilton County" among its four published PACE eligibility criteria and directs applicants to Ascension Living Alexian PACE in Chattanooga. PACE is a structurally different alternative to CHOICES Group 2, integrating Medicare and Medicaid through one provider. Federal rules add conditions beyond age and geography: under 42 CFR 460.150(b) an enrollee must be 55 or older, need nursing facility level of care as the state determines it, live in the PACE service area, and meet any additional conditions in the PACE program agreement; 460.150(c)(1) also requires that they be able to live in a community setting at enrollment without jeopardizing their health or safety. Outside the Alexian service area, CHOICES is Tennessee's primary HCBS pathway.U.S. Government Publishing Office. (n.d.). eCFR (current) — 42 CFR 460.150(b)(1), age 55 or older. ecfr.gov. Retrieved Aug 3, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-E/part-460/subpart-I/section-460.150
The Three Groups
CHOICES has three groups, and the differences matter, they determine where you can receive care, whether there's a waitlist, and how much the program will spend on your services.
Group 1: Nursing Facility Care
Group 1 is for TennCare members of all ages who qualify for and are receiving TennCare-reimbursed nursing facility services; the age and physical-disability limits below apply to Groups 2 and 3, not to Group 1. The rule ties Group 1 to a Bureau determination that the member meets Nursing Facility Level of Care.State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html,Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — 2026 SSI, Spousal Impoverishment, and Medicare Savings Program Resource Standards (Dec 9, 2025), SSI standards chart. medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib12092025.pdf
Group 1 has no cap and no waitlist. The rule's Enrollment Target, "the maximum number of individuals who can be enrolled in CHOICES Group 2 or Group 3," does not reach Group 1, and Group 1's enrollment criteria impose no capacity requirement.State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html The MCO pays the facility a daily rate, and the resident contributes their patient liability (everything above the $70/month Personal Needs Allowance, set by Tenn. Code Ann. § 71-5-147 for income available on or after 1/1/2025) toward the cost.Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026). medicaid.gov. Retrieved Jul 31, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf,U.S. Government Publishing Office. (n.d.). 42 U.S.C. § 1396a(q)(2) (govinfo.gov USCODE) — Minimum monthly personal needs allowance deduction. govinfo.gov. Retrieved Jul 30, 2026, from https://www.govinfo.gov/link/uscode/42/1396a
Group 2: HCBS In Lieu of a Nursing Facility
Group 2 covers people age 65 and older, and people 21 and older who have one or more physical disabilities as defined in the TennCare rule, who meet NF Level of Care but receive services in the community instead: at home, in an assisted living facility, or in a small group residential setting.
Group 2 operates under a statewide Enrollment Target, a cap on how many people can be enrolled at any given time. It has been 12,500 since July 1, 2012 and is still 12,500 in the October 2025 rule. An applicant who cannot be enrolled "shall be placed on a Waiting List for CHOICES Group 2."
But the cap is not absolute. The rule lets someone enroll even at a full target if Reserve Capacity is available or they meet one of its specified exceptions, so a full target does not automatically mean a wait.State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html
Group 2 services are subject to a per-person cost-neutrality cap equal to TennCare's average daily nursing facility reimbursement. Effective January 1, 2026, per TennCare's December 18, 2025 cost-neutrality memo, that cap is $294.87/day, or $107,627.55/year. If a member's care plan needs more than the cap, they generally have to move to Group 1 (nursing facility) instead.State of Tennessee. (n.d.). Revised Cost Neutrality Caps CHOICESProgram. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/content/dam/tn/tenncare/documents/RevisedCostNeutralityCapsCHOICESProgram.pdf
Group 3: At Risk of Nursing Facility Placement
Group 3 has the same target population as Group 2 but covers people who do not meet NF Level of Care and who, without CHOICES HCBS, are "At Risk for Institutionalization." It adds a limit Group 2 doesn't have: a Group 3 member must qualify for TennCare either as an SSI recipient or through the CHOICES At-Risk Demonstration Group. TennCare states that as of October 1, 2022, based on current appropriations, there is an enrollment target of 1,750 for non-SSI recipients (a target for new At-Risk enrollment, not a total Group 3 cap).State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html,Centers for Medicare & Medicaid Services. (n.d.). Tn tenncare ii cms demo appvl 01082021. medicaid.gov. Retrieved Jul 30, 2026, from https://www.medicaid.gov/medicaid/section-1115-demonstrations/downloads/tn-tenncare-ii-cms-demo-appvl-01082021.pdf
The Group 3 cost ceiling is much lower: roughly $18,000/year in HCBS, excluding minor home modifications.State of Tennessee. (n.d.). Revised Cost Neutrality Caps CHOICESProgram. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/content/dam/tn/tenncare/documents/RevisedCostNeutralityCapsCHOICESProgram.pdf Group 3 is a smaller, more targeted program, designed to keep someone who scores under 9 on the Acuity Scale from declining into a nursing-facility-level need.
Eligibility: Three Tests, All Required
To qualify for CHOICES Group 2, you have to clear three gates. Group 1 uses the same clinical and financial tests but is open to TennCare members of any age who are receiving TennCare-reimbursed nursing facility care. Group 3 uses the same target population and financial tests but a different clinical standard.
Age and Disability
The Group 2 and Group 3 target populations are:
- People age 65 and older, or
- People age 21 and older who have one or more physical disabilities as defined in Tenn. Comp. R. & Regs. 1200-13-01-.02State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html
Younger Tennesseans with intellectual or developmental disabilities are served by ECF CHOICES and the §1915(c) DD waivers, not CHOICES.
Clinical: The PAE and the Acuity Scale
Tennessee uses the Pre-Admission Evaluation (PAE) as its level-of-care test. The PAE applies the TennCare Nursing Facility Level of Care Acuity Scale, scored from 0 to 26 points (21 ADL points plus 5 skilled-services points).Tennessee Secretary of State. (2025). Tenn. Comp. R. & Regs. Ch. 1200-13-01, TennCare Long-Term Care Programs (October 2025 revision) — Rule 1200-13-01-.10(6), TennCare Nursing Facility Level of Care Acuity Scale. publications.tnsosfiles.com. Retrieved Jul 30, 2026, from https://publications.tnsosfiles.com/rules/1200/1200-13/1200-13-01.20251005.pdf
The qualifying threshold is a total score of at least 9 for Group 1 and Group 2.Tennessee Secretary of State. (2025). Tenn. Comp. R. & Regs. Ch. 1200-13-01, TennCare Long-Term Care Programs (October 2025 revision) — Rule 1200-13-01-.10(6), TennCare Nursing Facility Level of Care Acuity Scale. publications.tnsosfiles.com. Retrieved Jul 30, 2026, from https://publications.tnsosfiles.com/rules/1200/1200-13/1200-13-01.20251005.pdf
There is a second route for someone who scores under 9, and its condition runs opposite to what most families expect: you meet NF LOC by meeting the at-risk LOC criteria on an ongoing basis and being determined by TennCare, through a Safety Determination, not to qualify for Group 3. Group 3 isn't a fallback you pick alongside this route; being screened out of Group 3 is what opens it.Tennessee Secretary of State. (2025). Tenn. Comp. R. & Regs. Ch. 1200-13-01, TennCare Long-Term Care Programs (October 2025 revision) — Rule 1200-13-01-.10(6), TennCare Nursing Facility Level of Care Acuity Scale. publications.tnsosfiles.com. Retrieved Jul 30, 2026, from https://publications.tnsosfiles.com/rules/1200/1200-13/1200-13-01.20251005.pdf
The Acuity Scale weighs two sets of measures, and the rule caps them separately:
- Activities of Daily Living and ADL-related functions: transfer, mobility, eating, and toileting, plus communication (expressive and receptive), orientation (to person and place), dementia-related behaviors, and self-administration of medications. Each answer carries a weighted value set by how much help you need, on a scale running from "Always" independent with that activity to "Never" independent. This whole set carries a maximum of 21 points.Tennessee Secretary of State. (2025). Tenn. Comp. R. & Regs. Ch. 1200-13-01, TennCare Long-Term Care Programs (October 2025 revision) — Rule 1200-13-01-.10(6), TennCare Nursing Facility Level of Care Acuity Scale. publications.tnsosfiles.com. Retrieved Jul 30, 2026, from https://publications.tnsosfiles.com/rules/1200/1200-13/1200-13-01.20251005.pdf
- Skilled and/or rehabilitative services: tube feeding, wound care, occupational therapy, physical therapy, ventilator care, and enhanced respiratory care. This whole set carries a maximum of 5 points, so a skilled need adds to an ADL score rather than carrying one on its own.Tennessee Secretary of State. (2025). Tenn. Comp. R. & Regs. Ch. 1200-13-01, TennCare Long-Term Care Programs (October 2025 revision) — Rule 1200-13-01-.10(6), TennCare Nursing Facility Level of Care Acuity Scale. publications.tnsosfiles.com. Retrieved Jul 30, 2026, from https://publications.tnsosfiles.com/rules/1200/1200-13/1200-13-01.20251005.pdf
The per-answer weighted values live in the rule's own scoring tables, not in any published summary. If you want to know how a specific answer scored, ask your AAAD or MCO Care Coordinator to walk you through the completed PAE rather than working from a secondhand point breakdown.
The PAE is a Bureau assessment process, and TennCare's LTSS PAE Manual sets the submission rules and timeframes. Ask your AAAD or MCO Care Coordinator to walk you through who files it and by when, and get that answer in writing rather than from a secondhand summary, because the filing timeframe is the part families most often get wrong.Tennessee Secretary of State. (2025). Tenn. Comp. R. & Regs. Ch. 1200-13-01, TennCare Long-Term Care Programs (October 2025 revision) — Rule 1200-13-01-.10(6), TennCare Nursing Facility Level of Care Acuity Scale. publications.tnsosfiles.com. Retrieved Jul 30, 2026, from https://publications.tnsosfiles.com/rules/1200/1200-13/1200-13-01.20251005.pdf
One common confusion to clear up: Tennessee does not use a "CARES" assessment. CARES is the Florida tool. Tennessee's tool is the PAE plus the Acuity Scale.Tennessee Secretary of State. (2025). Tenn. Comp. R. & Regs. Ch. 1200-13-01, TennCare Long-Term Care Programs (October 2025 revision) — Rule 1200-13-01-.10(6), TennCare Nursing Facility Level of Care Acuity Scale. publications.tnsosfiles.com. Retrieved Jul 30, 2026, from https://publications.tnsosfiles.com/rules/1200/1200-13/1200-13-01.20251005.pdf
Financial: Income and Asset Tests
For 2026:Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — 2026 SSI, Spousal Impoverishment, and Medicare Savings Program Resource Standards (Dec 9, 2025), SSI standards chart. medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib12092025.pdf
- Single applicant income limit: $2,982/month (300% of the Supplemental Security Income (SSI) Federal Benefit Rate of $994/month).
- Countable resource limit: $2,000. TennCare's Institutional Medicaid policy states the standard flatly as $2,000 and publishes no separate both-spouses-applying figure, so don't assume a higher combined limit if both spouses apply.
- Community Spouse Resource Allowance (CSRA): the at-home spouse may keep one-half of countable assets up to a maximum of $162,660, with a minimum protected resource standard of $32,532. (Snapshot mechanics, fair-hearing increases, SFA model, Hughes v. McCarthy: see the TN spousal impoverishment guide.)Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026). medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf
- Minimum Monthly Maintenance Needs Allowance (MMNA / MMMNA): minimum $2,705.00/month (effective 7/1/2026 through 6/30/2027), maximum $4,066.50/month (effective 1/1/2026), depending on shelter costs. (Excess Shelter Allowance formula, Income-First rule, court-ordered support: see the TN spousal impoverishment guide.)Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026). medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf
- Home equity cap: $752,000. The primary residence is exempt if the applicant (or spouse, or a disabled or minor child) lives there or documents intent to return. (For the full rulebook on what the home equity cap means, the intent-to-return mechanic, and which planning tools work in Tennessee, see How to Protect Your Home from Medicaid in Tennessee.)
Tennessee is an income-cap state. If your gross income exceeds the $2,982/month Medicaid Income Cap, TennCare's Institutional Medicaid policy says you "will be provided with the opportunity to establish a Qualified Income Trust (QIT)", Tennessee's name for what other states call a Miller Trust, after which your income eligibility is tested again.Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — 2026 SSI, Spousal Impoverishment, and Medicare Savings Program Resource Standards (Dec 9, 2025), SSI standards chart. medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib12092025.pdf The QIT redirects excess income each month so the applicant's countable income falls under the cap. Setting up a QIT is straightforward but should usually be done with help from an elder-law attorney to avoid mistakes that cost months of eligibility.
The look-back is 60 months (5 years) for asset transfers under 42 USC § 1396p(c) as amended by DRA-2005. The 2026 transfer-penalty divisor is $295.87/day ($8,846.10/month) per the TennCare ABD Eligibility Policy Manual, Policy 125.010 (dated January 5, 2026). (Note: this is a different metric from the $294.87/day CHOICES Cost Neutrality Cap, which gates HCBS expenditures vs. nursing-facility cost, not transfer penalties.) Critically, the penalty period does not start when you make the transfer. Under the TennCare manual's rule (which mirrors 42 USC § 1396p(c)(1)(D)(ii)) it starts on the LATER of two dates: (a) the date you are eligible for Institutional Medicaid and would have been eligible for CHOICES but for the improper transfer, or (b) the first day of the month in which the assets were transferred, not the transfer date itself. See the TN 5-Year Lookback and Penalty Divisor complete guide for exempt transfers, DRA-2005 SPIA requirements, promissory note rules, Modified Half-a-Loaf strategy, undue hardship waivers, and worked examples.U.S. Social Security Administration. (n.d.). Social Security Act § 1917(c) (42 USC § 1396p(c)) — Liens, Adjustments and Recoveries, and Transfers of Assets (SSA compilation of the Act). ssa.gov. Retrieved Jul 30, 2026, from https://www.ssa.gov/OP_Home/ssact/title19/1917.htm
Covered Services
CHOICES covers a broad HCBS service array for Group 2 and Group 3, plus full nursing facility care for Group 1. The care plan is built around what each member needs, not everyone gets every service. The limits below are the per-service benefit limits TennCare publishes in the CHOICES rule itself, at Tenn. Comp. R. & Regs. 1200-13-01-.05(8)(l), which enumerates fourteen CHOICES HCBS and the limit that applies to each.State of Tennessee. (n.d.). Revised Cost Neutrality Caps CHOICESProgram. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/content/dam/tn/tenncare/documents/RevisedCostNeutralityCapsCHOICESProgram.pdf
| Service | Annual Cap (Group 2/3) | Notes |
|---|---|---|
| Personal Care Visits | 2,580 hours/year | Max 2 visits/day, 4 hrs/visit, 4 hrs apart |
| Attendant Care | 1,080 hrs/year (1,400 with homemaker) | Higher cap if member also needs chores/errands |
| In-Home Respite | 216 hours/year | For family caregiver relief |
| Inpatient Respite | 9 days/year | No PASRR required |
| Adult Day Care | 2,080 hours/year | Not available with group/residential living |
| Companion Care | CD only, 24-hr scenarios | When natural supports insufficient |
| Home-Delivered Meals | 1 meal/day | |
| Personal Emergency Response System | No published cap | |
| Assistive Technology | $900/year | |
| Enabling Technology | $5,000/year | |
| Minor Home Modifications | $6,000/project, $10,000/year, $20,000 lifetime | |
| Pest Control | 9 treatments/year | |
| Short-Term NF Stay | 90 days/stay | Community PNA continues |
Two of the rule's fourteen services are not broken out above: Homemaker Services and CBRA (Community-Based Residential Alternatives). Ask your Care Coordinator for their published limits if either is in your plan. And note what is not on the rule's list of fourteen: care coordination. A Care Coordinator is an MCO staff role, not a CHOICES service you are separately authorized for.State of Tennessee. (n.d.). Revised Cost Neutrality Caps CHOICESProgram. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/content/dam/tn/tenncare/documents/RevisedCostNeutralityCapsCHOICESProgram.pdf
A few important callouts:
- The Group 2 cost-neutrality cap is $107,627.55/year ($294.87/day). The sum of the services above can't exceed that ceiling. Group 3's service ceiling is much lower at roughly $18,000/year.
- Home health and Private Duty Nursing sit outside the CHOICES service array. Neither appears among the fourteen CHOICES HCBS the rule enumerates, and the cost-neutrality rule names "CHOICES HCBS, HH and PDN services" as separate categories that all count toward the cap. Their coverage rules and hour limits belong to the standard TennCare benefit, so get the current PDN authorization criteria from your Care Coordinator in writing rather than assuming a CHOICES limit applies.State of Tennessee. (n.d.). Revised Cost Neutrality Caps CHOICESProgram. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/content/dam/tn/tenncare/documents/RevisedCostNeutralityCapsCHOICESProgram.pdf
- CHOICES never pays room and board. On the CHOICES Member Benefit Table the benefit is called Assisted Care Living Facility, it is covered for Group 2 and Group 3 (not Group 1), and it is limited to 1 unit per day, 12 months per year. The table states it plainly: you must pay for your room and board. CHOICES pays only the care services.U.S. Department of Veterans Affairs. (n.d.). Aid And Attendance Benefits And Housebound Allowance. va.gov. Retrieved Aug 4, 2026, from https://www.va.gov/pension/aid-attendance-housebound/
- Short-Term NF Care is a Group 2/3 benefit, not a move to Group 1. It is one of the fourteen CHOICES HCBS the rule enumerates, so an HCBS member can use a short nursing facility stay without leaving the community program.State of Tennessee. (n.d.). Revised Cost Neutrality Caps CHOICESProgram. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/content/dam/tn/tenncare/documents/RevisedCostNeutralityCapsCHOICESProgram.pdf
Patient Liability: What the Member Pays
This is one of the most confused topics in TennCare planning, because the rules are radically different between Group 1 and Group 2/3.
Group 1 (nursing facility): The member keeps a $70/month Personal Needs Allowance and turns over the rest of their income to the facility as patient liability, after these statutory deductions:Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026). medicaid.gov. Retrieved Jul 31, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf
- Medicare Part B and supplemental insurance premiums
- The community spouse's MMNA (minimum $2,705.00/month effective 7/1/2026, maximum $4,066.50/month effective 1/1/2026)Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026). medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf
- Family allowance for dependent children or parents
- Court-ordered support obligations
Group 2 / Group 3 (HCBS at home): The member receives a much higher Community Personal Needs Allowance equal to the full Special Income Standard ($2,982/month, 300% of SSI FBR in 2026). That means most HCBS members owe little or no patient liability while living at home. Patient liability for Group 2/3 is paid directly to the assigned MCO, not to a facility. (Group 2 short-term NF stays of 90 days or less preserve this Community PNA, see the deep guide for mechanics, ECF CHOICES Groups 4-8 parity, and the legacy 1915(c) ID waiver 200%/300% disparity.)Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026). medicaid.gov. Retrieved Jul 31, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf,U.S. Government Publishing Office. (n.d.). 42 U.S.C. § 1396a(q)(2) (govinfo.gov USCODE) — Minimum monthly personal needs allowance deduction. govinfo.gov. Retrieved Jul 30, 2026, from https://www.govinfo.gov/link/uscode/42/1396a
Tennessee follows the name-on-the-check rule for spousal income. Income paid in the community spouse's name is not counted toward the applicant's $2,982/month cap.Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — 2026 SSI, Spousal Impoverishment, and Medicare Savings Program Resource Standards (Dec 9, 2025), SSI standards chart. medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib12092025.pdf Community spouse income may still affect the MMNA calculation if it falls below the floor.
Consumer Direction: Hiring Family as Caregivers
CHOICES Consumer Direction (CD) is Tennessee's self-direction option. Under CD, the member becomes the legal employer of their own caregivers, with Consumer Direct Care Network Tennessee (CDTN) acting as the contracted Fiscal Employer Agent. CDTN handles payroll, tax withholding, Electronic Visit Verification (EVV), background checks, and biweekly direct deposit.State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jun 24, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html
CDTN's TennCare-approved rate schedule prices Personal Care Visits, Attendant Care, In-Home Respite, and Companion Care, the services members most often self-direct.State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jun 24, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html
The critical question for most families is who can be hired. Under Consumer Direction, the member can hire:
- Adult children
- Siblings
- Parents (of an adult son or daughter who is the member)
- Friends and other relatives
The member cannot hire their spouse under Consumer Direction. Tennessee CHOICES also generally bars these people from being the paid CD worker:
- A court-appointed conservator
- A legal guardian
- A power of attorney
- Anyone serving as the member's CD Representative
That spousal exclusion is the single most-asked-about rule, and it survived the Freedom for Family Caregiving Act (Public Chapter 182 of 2025). PC 182 changed the agency-employed pathway so that spouses can be hired by a TennCare-contracted home care agency as W-2 employees, but it did not change Consumer Direction.Tennessee General Assembly. (n.d.). SB1178 Bill Status - Tennessee General Assembly (114th GA). wapp.capitol.tn.gov. Retrieved Jun 25, 2026, from https://wapp.capitol.tn.gov/apps/BillInfo/Default?BillNumber=SB1178&ga=114 Spouses who want to be paid as caregivers in Tennessee should review our companion guide on how to get paid as a family caregiver in Tennessee, which walks through the agency-employed pathway in detail.
CDTN's contact line is plan-specific, so call the one that matches your MCO: UnitedHealthcare 1-888-444-3109, Wellpoint 1-888-398-0664, BlueCare Tennessee 1-888-450-3240.State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jun 24, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html
The member sets each worker's wage, within the budget the Care Coordinator authorizes and up to a TennCare-approved maximum that varies by service. On the CDTN CHOICES rate schedule (Rev. 07/30/2025): Personal Care Visit (T1019 UC) averages $18.31/hour, maximum $19.16; Respite (S5150 UC) averages $16.36, maximum $18.93; Companion Care is a daily rate, $158.97 average and $163.33 maximum per 24/7 day. What is charged against the member's budget is higher than the wage because it includes employer taxes ($20.17 average against an $18.31 Personal Care wage). Verify the current schedule with CDTN at the time of hire. One tax note for your preparer: the IRS FICA/FUTA difficulty-of-care exemption applies when the worker is the member's child, parent, or spouse.State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jun 24, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html
The MCO You Pick Matters
CHOICES is a managed LTSS program: the rule provides that it "is administered by the TennCare MCOs under contract with the Bureau," and that the MCOs coordinate all covered physical, behavioral, and long-term services and supports for their enrolled CHOICES members. TennCare's CHOICES page lists these plans as the ones a member contacts about CHOICES:Tennessee Secretary of State. (2025). Tenn. Comp. R. & Regs. Ch. 1200-13-01 (TennCare Long-Term Care Programs), Rule 1200-13-01-.05(2) — CHOICES is administered by the TennCare MCOs (Tennessee Secretary of State, October 2025 revision). publications.tnsosfiles.com. Retrieved Jul 30, 2026, from https://publications.tnsosfiles.com/rules/1200/1200-13/1200-13-01.20251005.pdf
All three appear in TennCare's West, Middle, and East Tennessee health-plan tables alongside a fourth entry, TennCare Select. TennCare says all three of its Managed Care Organizations passed NCQA accreditation but doesn't say which plans that count means, so don't read the CHOICES list as ruling TennCare Select out; ask TennCare Connect what you can choose between.
Your plan's Care Coordinator builds your person-centered support plan and authorizes services. If you switch plans, TennCare Policy Manual CON 19-001 requires the receiving MCO to continue your CHOICES HCBS for a minimum of 30 days, and after that it may not reduce them until it has done a comprehensive needs assessment, developed a plan of care or person-centered support plan, and authorized and started services under that new plan. Read the bound the policy actually carries: it is written for members in CHOICES Group 2 or 3 or ECF CHOICES, the groups that receive HCBS, and it is a floor on the receiving plan, not a ceiling on how long your services last. (An older source saying "Amerigroup Tennessee" means Wellpoint.)Tennessee Secretary of State. (2025). Tenn. Comp. R. & Regs. Ch. 1200-13-01 (TennCare Long-Term Care Programs), Rule 1200-13-01-.05(2) — CHOICES is administered by the TennCare MCOs (Tennessee Secretary of State, October 2025 revision). publications.tnsosfiles.com. Retrieved Jul 30, 2026, from https://publications.tnsosfiles.com/rules/1200/1200-13/1200-13-01.20251005.pdf
The Group 2 Waitlist
Because Group 2 has an Enrollment Target, an applicant who cannot be enrolled when the target is full "shall be placed on a Waiting List for CHOICES Group 2."State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html
Nobody can honestly quote you a typical wait. TennCare publishes no remaining-slot count, and enrollment at a full target turns on whether Reserve Capacity is available or you meet one of the rule's exceptions, so the wait is condition-dependent rather than a fixed queue. Ask your AAAD or MCO where your own application stands.State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html
While waiting for Group 2, families have a few options:
- Apply for Group 1 if a nursing facility is the right setting now. Group 1 has no waitlist; it's an entitlement.
- Apply for the Money Follows the Person (MFP) demonstration. All four criteria must be met: enrolled in Medicaid, 18 or older, resided in a qualified institution (an ICF/IID, a Regional Mental Health Institute, or a nursing home) for 60 days, and care needs that can be adequately met in a community setting. A person who transitions under MFP does so into CHOICES (or ECF CHOICES, or other waiver HCBS), so MFP supports the move while CHOICES provides the ongoing services. Federal MFP funding runs through September 30, 2027 under the Consolidated Appropriations Act, 2023.Library of Congress. (2023). CRS R47821 — Consolidated Appropriations Act, 2023 (P.L. 117-328): Medicaid and CHIP Provisions. congress.gov. Retrieved Jul 30, 2026, from https://www.congress.gov/crs-product/R47821 Know the scale before you count on it: TennCare's CY2024 MFP grant award of $17,001,725.03, approved December 5, 2024, targets transitioning 65 individuals per year into community settings, and since 2023, 63 members have transitioned from qualified institutions to HCBS (28 actively enrolled, 28 having completed 365 days in the community, 7 disenrolled).State of Tennessee. (2023). TennCare Annual Report July 2023 - June 2024 (tn.gov) — LTSS enrollment table + MFP. tn.gov. Retrieved Jul 10, 2026, from https://www.tn.gov/content/dam/tn/tenncare/documents/TennCareAnnualFY24.pdf
- Look at OPTIONS for Community Living, the parallel state-funded program run by the AAADs that does not require Medicaid eligibility but offers a smaller service package.
Tennessee is actively investing in community capacity. In July 2025 TennCare Long-Term Services & Supports launched an initiative to invest $50 million in its HCBS provider network over five years to expand community-based capacity.Library of Congress. (2023). CRS R47821 — Consolidated Appropriations Act, 2023 (P.L. 117-328): Medicaid and CHIP Provisions. congress.gov. Retrieved Jul 30, 2026, from https://www.congress.gov/crs-product/R47821
Set that against where Tennessee actually stands, because the shift toward home care here is neither finished nor steady. On CMS's 2023 rebalancing data, HCBS accounted for 52.1% of Tennessee's total Medicaid LTSS spending, placing the state in the bottom quartile against a 63.8% national average, and 72.0% of Tennessee's Medicaid LTSS users received HCBS in 2023, down from 79.9% in 2022, the largest decrease of any state that year. Inside CHOICES the two sides are close: as of June 30, 2024, TennCare reported 13,797 people in CHOICES Nursing Facility Services (down from 14,811 a year earlier) and 11,886 in CHOICES Home and Community Based Services (up from 11,656), plus 5,889 in Employment and Community First CHOICES. Read that as: the community side is growing, but slowly, and a Group 2 slot is still genuinely scarce.State of Tennessee. (2023). TennCare Annual Report July 2023 - June 2024 (tn.gov) — LTSS enrollment table + MFP. tn.gov. Retrieved Jul 10, 2026, from https://www.tn.gov/content/dam/tn/tenncare/documents/TennCareAnnualFY24.pdf
How to Apply for TennCare CHOICES
The CHOICES application has six stages. Expect the full process to take 3 to 6 months from initial intake to services starting, longer if you're waiting for a Group 2 slot.
Start the application
Three on-ramps work equally well: (a) call TennCare Connect at 1-855-259-0701 or apply online at tenncareconnect.tn.gov; (b) call your local Area Agency on Aging and Disability at 1-866-836-6678 (the AAAD will help you complete the application and the PAE); or (c) ask the hospital discharge planner to start the application if your loved one is in the hospital.Administration for Community Living. (n.d.). National Family Caregiver Support Program. acl.gov. Retrieved Aug 1, 2026, from https://acl.gov/programs/support-caregivers/national-family-caregiver-support-program
Phone screening
TennCare or the AAAD asks basic questions about age, disability, functional need, and household income to confirm you're in the right program.
PAE assessment
The Pre-Admission Evaluation is completed and submitted to the Bureau of TennCare LTSS, which applies the NF LOC Acuity Scale to determine medical eligibility.Tennessee Secretary of State. (2025). Tenn. Comp. R. & Regs. Ch. 1200-13-01, TennCare Long-Term Care Programs (October 2025 revision) — Rule 1200-13-01-.10(6), TennCare Nursing Facility Level of Care Acuity Scale. publications.tnsosfiles.com. Retrieved Jul 30, 2026, from https://publications.tnsosfiles.com/rules/1200/1200-13/1200-13-01.20251005.pdf
Financial eligibility review through TennCare
Eligibility staff review income, assets, the 60-month look-back, and (if needed) help establish the QIT.
MCO assignment and Person-Centered Support Plan
Once clinical and financial eligibility are confirmed and a slot is available, the MCO Care Coordinator builds the individualized support plan with the member and family.
Service start
The Care Coordinator arranges providers, and services begin, typically within two to four weeks of plan approval.
If you have waited more than 90 days for a decision on a long-term-care application, you can ask TennCare for a delayed hearing.State of Tennessee. (n.d.). How to file a medical appeal?. tn.gov. Retrieved Jul 18, 2026, from https://www.tn.gov/tenncare/members-applicants/how-to-file-a-medical-appeal.html
Appeals and Rights
A denial, reduction, or termination of CHOICES eligibility or services is appealable. TennCare adjudicates its own fair hearings internally, and an Administrative Judge renders the final decision. There are two distinct tracks.U.S. Government Publishing Office. (n.d.). 42 CFR 431.221 — Request for hearing. ecfr.gov. Retrieved Jul 17, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-431/subpart-E/section-431.221
Eligibility appeals, for a denial, a coverage ending, an income or family-size error, or a delayed decision, go to TennCare Connect:
- Phone: 1-855-259-0701U.S. Government Publishing Office. (n.d.). 42 CFR 431.221 — Request for hearing. ecfr.gov. Retrieved Jul 17, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-431/subpart-E/section-431.221
- Online: tenncareconnect.tn.gov
- Mail: the Eligibility Appeal form to Eligibility Appeals Unit, P.O. Box 23650, Nashville, TN 37202-3650U.S. Government Publishing Office. (n.d.). 42 CFR 431.221 — Request for hearing. ecfr.gov. Retrieved Jul 17, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-431/subpart-E/section-431.221
Read the 90 days the right way. It is not a promise your hearing happens within 90 days. It is the wait that entitles you to ask for one: more than 45 days without a decision on a standard application, or more than 90 days on a long-term-care application like CHOICES, lets you request a delayed hearing. And the federal rule at 42 CFR 431.221(d) is a ceiling, not a guarantee: a state may allow up to 90 days from the mailing of the notice to request a hearing. Reading either as a guarantee is how people miss deadlines.State of Tennessee. (n.d.). How to file a medical appeal?. tn.gov. Retrieved Jul 18, 2026, from https://www.tn.gov/tenncare/members-applicants/how-to-file-a-medical-appeal.html,U.S. Government Publishing Office. (n.d.). 42 CFR 431.221 — Request for hearing. ecfr.gov. Retrieved Jul 17, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-431/subpart-E/section-431.221
Medical/service appeals, for a denial, reduction, or termination of a covered CHOICES service, are filed directly with TennCare Member Medical Appeals, free at 1-800-878-3192, or by mail, by fax, or online through your TennCare Connect account.U.S. Government Publishing Office. (n.d.). 42 CFR 431.221 — Request for hearing. ecfr.gov. Retrieved Jul 17, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-431/subpart-E/section-431.221
You have only 60 days to file after you find out there is a problem. The appeal is usually decided within 90 days. An expedited appeal, decided in about a week, is available when there is an emergency and the health plan agrees, so it is not something you can invoke on your own say-so.State of Tennessee. (n.d.). How to file a medical appeal?. tn.gov. Retrieved Jul 18, 2026, from https://www.tn.gov/tenncare/members-applicants/how-to-file-a-medical-appeal.html
Continuation of benefits (aid paid pending) runs on two clocks, and the shorter one keeps your services on. An appeal filed within 40 days of the termination or denial notice is timely, but benefits only continue if the request is filed within 20 days of the notice (or before your coverage end date, if later), pending the Administrative Judge's final decision. If TennCare's action is upheld you may have to repay the benefits that were continued while the appeal was pending, so this is a real decision, not a free option.U.S. Government Publishing Office. (n.d.). 42 CFR 431.221 — Request for hearing. ecfr.gov. Retrieved Jul 17, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-431/subpart-E/section-431.221
Free legal help with a TennCare appeal: the Tennessee Justice Center, your regional legal aid office, and TN Free Legal Answers.
Common Misconceptions
"CHOICES is a §1915(c) waiver." It isn't. CHOICES sits inside TennCare's §1115(a) demonstration. Its HCBS are paid as demonstration expenditures for "home and community-based waiver-like services ... furnished to TennCare CHOICES enrollees" rather than under a §1915(c) waiver of Tennessee's own. Don't over-read that, though: the Group 2 and 3 caps rest on a specific CMS waiver of reasonable promptness under §1902(a)(8), not on the §1115 structure itself, and §1915(c) waivers routinely carry capped slots and waiting lists too.Centers for Medicare & Medicaid Services. (n.d.). Tn tenncare ii cms demo appvl 01082021. medicaid.gov. Retrieved Jul 30, 2026, from https://www.medicaid.gov/medicaid/section-1115-demonstrations/downloads/tn-tenncare-ii-cms-demo-appvl-01082021.pdf
"My income is over $2,982 so my parent can't qualify." Tennessee is an income-cap state, and an applicant over the cap is given the opportunity to set up a Qualified Income Trust (Miller Trust), after which income eligibility is re-tested.Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — 2026 SSI, Spousal Impoverishment, and Medicare Savings Program Resource Standards (Dec 9, 2025), SSI standards chart. medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib12092025.pdf An elder-law attorney can set one up correctly; a botched QIT can cost months of eligibility.
"My spouse can be my paid caregiver under Consumer Direction." No. Consumer Direction excludes spouses, conservators, guardians, and powers of attorney. PC 182 of 2025 opened the agency-employed pathway for spouses, but Consumer Direction still excludes them.State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jun 24, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html
"A dementia diagnosis qualifies for Group 2 automatically." No. The PAE Acuity Scale is functional, not diagnostic: the rule captures dementia as an ADL-related function, scored by how often the applicant requires intervention for dementia-related behaviors rather than by the diagnosis itself. What moves the total score is documented need for help with transfers, mobility, eating, toileting, communication, orientation, and self-administration of medications, so it is the functional record in the PAE that decides it.Tennessee Secretary of State. (2025). Tenn. Comp. R. & Regs. Ch. 1200-13-01, TennCare Long-Term Care Programs (October 2025 revision) — Rule 1200-13-01-.10(6), TennCare Nursing Facility Level of Care Acuity Scale. publications.tnsosfiles.com. Retrieved Jul 30, 2026, from https://publications.tnsosfiles.com/rules/1200/1200-13/1200-13-01.20251005.pdf
"CHOICES will pay my parent's assisted living rent." No. The CHOICES Assisted Care Living Facility benefit, open to Group 2 and Group 3 members and capped at 1 unit per day and 12 months per year, pays for the care delivered in an assisted living facility, never the room and board. The resident pays room and board from their own income.U.S. Department of Veterans Affairs. (n.d.). Aid And Attendance Benefits And Housebound Allowance. va.gov. Retrieved Aug 4, 2026, from https://www.va.gov/pension/aid-attendance-housebound/
"There's no waitlist for CHOICES." There is no waitlist for Group 1 (nursing facility). Group 2 has an Enrollment Target of 12,500, and an applicant who cannot be enrolled goes on a Waiting List, though Reserve Capacity and the rule's specified exceptions can still permit enrollment at a full target. For Group 3 the rule only says the state may establish a target, which must be at least 10% of the Group 2 target.State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html
Frequently Asked Questions
Who qualifies for TennCare CHOICES?
CHOICES serves adults 65+ and adults 21–64 with a physical disability who meet three tests: age/disability, Nursing Facility Level of Care via the PAE Acuity Scale (≥9 of 26 points for Group 1 and Group 2), and financial limits ($2,982/month income and $2,000 in countable assets in 2026 for a single applicant).Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — 2026 SSI, Spousal Impoverishment, and Medicare Savings Program Resource Standards (Dec 9, 2025), SSI standards chart. medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib12092025.pdf,Tennessee Secretary of State. (2025). Tenn. Comp. R. & Regs. Ch. 1200-13-01, TennCare Long-Term Care Programs (October 2025 revision) — Rule 1200-13-01-.10(6), TennCare Nursing Facility Level of Care Acuity Scale. publications.tnsosfiles.com. Retrieved Jul 30, 2026, from https://publications.tnsosfiles.com/rules/1200/1200-13/1200-13-01.20251005.pdf Adults with intellectual or developmental disabilities are served by ECF CHOICES and the §1915(c) DD waivers, not CHOICES.
What's the difference between CHOICES Group 1, Group 2, and Group 3?
Group 1 is nursing facility care for TennCare members of all ages; it has no Enrollment Target and no waitlist. Group 2 serves people 65+ and people 21+ with one or more physical disabilities who meet NF Level of Care but receive HCBS instead, under an Enrollment Target of 12,500, with a Waiting List when the target is full. Group 3 covers the same target population who do not meet NF LOC but are At Risk for Institutionalization, and who qualify for TennCare as SSI recipients or through the CHOICES At-Risk Demonstration Group; its annual HCBS Expenditure Cap is $18,000, excluding Minor Home Modifications.State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html
How do I apply for TennCare CHOICES?
Three equally good on-ramps: call TennCare Connect at 1-855-259-0701 (or apply online at tenncareconnect.tn.gov), call your local AAAD at 1-866-836-6678, or ask the hospital discharge planner to start the application.Administration for Community Living. (n.d.). National Family Caregiver Support Program. acl.gov. Retrieved Aug 1, 2026, from https://acl.gov/programs/support-caregivers/national-family-caregiver-support-program The application moves through a phone screening, the PAE assessment, financial review, MCO assignment and care plan, then service start, typically 3 to 6 months total, longer if there's a Group 2 waitlist.
Can I hire my spouse as a paid caregiver under TennCare CHOICES?
Not under Consumer Direction. CD specifically excludes spouses, conservators, legal guardians, and powers of attorney.State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jun 24, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html The agency-employed pathway, opened by Public Chapter 182 of 2025, the Freedom for Family Caregiving Act, does allow a spouse to be hired by a TennCare-contracted home care agency as a W-2 employee. Read the limit with the permission: the act bars an agency from refusing because of the relationship, but it does not require any agency to hire a particular family member, so access still depends on finding a willing agency. Court-appointed conservators and legal guardians also stay excluded unless a court order explicitly permits the employment.Tennessee General Assembly. (n.d.). SB1178 Bill Status - Tennessee General Assembly (114th GA). wapp.capitol.tn.gov. Retrieved Jun 25, 2026, from https://wapp.capitol.tn.gov/apps/BillInfo/Default?BillNumber=SB1178&ga=114 See our TN how to get paid as a family caregiver guide for that pathway.
How long is the CHOICES waitlist?
There is no waitlist for Group 1 (nursing facility). For Group 2, an applicant who cannot be enrolled at a full Enrollment Target goes on a Waiting List, but TennCare publishes no remaining-slot count and no standard wait time, and Reserve Capacity or one of the rule's specified exceptions can still allow enrollment at a full target. Anyone quoting you a typical wait is guessing.State of Tennessee. (n.d.). Choices. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/tenncare/long-term-services-supports/choices.html While waiting, families often pursue Money Follows the Person (if the applicant is currently in a qualified institution) or OPTIONS for Community Living (state-funded, no Medicaid required).
Does TennCare CHOICES pay for assisted living?
It covers the care delivered inside an assisted living facility, never the room and board. The benefit is named Assisted Care Living Facility on the CHOICES Member Benefit Table, it is available to Group 2 and Group 3 members, and it is limited to 1 unit per day and 12 months per year.U.S. Department of Veterans Affairs. (n.d.). Aid And Attendance Benefits And Housebound Allowance. va.gov. Retrieved Aug 4, 2026, from https://www.va.gov/pension/aid-attendance-housebound/,State of Tennessee. (n.d.). Revised Cost Neutrality Caps CHOICESProgram. tn.gov. Retrieved Jul 30, 2026, from https://www.tn.gov/content/dam/tn/tenncare/documents/RevisedCostNeutralityCapsCHOICESProgram.pdf The resident pays room and board from their own income (Social Security, pension), often supplemented by VA Aid & Attendance or family contributions.
Related Terms
- HCBS waiver: The federal authority most states use for HCBS. Tennessee uses the §1115 demonstration instead.Centers for Medicare & Medicaid Services. (n.d.). Tn tenncare ii cms demo appvl 01082021. medicaid.gov. Retrieved Jul 30, 2026, from https://www.medicaid.gov/medicaid/section-1115-demonstrations/downloads/tn-tenncare-ii-cms-demo-appvl-01082021.pdf
- Nursing Facility Level of Care (NFLOC): The clinical eligibility test that the PAE administers.
- Consumer Directed Services (CDS): The national term for what Tennessee calls Consumer Direction.
- Activities of Daily Living (ADLs): The functional measures the PAE Acuity Scale scores.
- Personal Needs Allowance (PNA): The $70/month a Group 1 resident keeps from their income.U.S. Government Publishing Office. (n.d.). 42 U.S.C. § 1396a(q)(2) (govinfo.gov USCODE) — Minimum monthly personal needs allowance deduction. govinfo.gov. Retrieved Jul 30, 2026, from https://www.govinfo.gov/link/uscode/42/1396a
- Managed Care Organization (MCO): The plans (BlueCare, UHC Community Plan, Wellpoint) that deliver CHOICES.
- Electronic Visit Verification (EVV): The federally required time-and-location verification system used by Consumer Direction caregivers.
Learn More
Find personalized help navigating TennCare CHOICES 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.