Home Modification Funding in the USA
Medicare, Medicaid waivers, VA benefits, and state programs may cover the cost of stairlifts, grab bars, wheelchair ramps, and bathroom modifications. Here is everything you need to know to access funding in your state.
Medicare
Important: Original Medicare Parts A and B do NOT cover stairlifts, grab bars, or most home modifications. Medicare Advantage plans vary — check your specific plan benefits.
Medicaid HCBS Waivers
Medicaid Home and Community-Based Services (HCBS) Waivers are the most significant source of home modification funding for low-income individuals. Each state administers its own waiver program with different eligibility rules and funding amounts.
| State | Program | Max Funding | Phone |
|---|---|---|---|
| California | IHSS & MLTSS | Varies by need | 1-800-952-5253 |
| Florida | HCBS Waiver / CARES | Up to $25,000 | 1-800-963-5337 |
| Texas | STAR+PLUS Waiver | Varies by need | 1-800-252-9240 |
| New York | NHTD & TBI Waivers | Up to $20,000 | 1-800-342-3715 |
| Pennsylvania | OBRA Waiver / Act 150 | Up to $30,000 | 1-800-692-7462 |
| Ohio | PASSPORT & Ohio HOME | Up to $25,000 | 1-800-282-1206 |
| Illinois | HCBS Waiver / IDoA | Up to $20,000 | 1-800-252-8966 |
| Michigan | MI Choice Waiver | Varies by need | 1-800-642-3195 |
| North Carolina | CAP/DA Waiver | Up to $15,000 | 1-800-662-7030 |
| Arizona | ALTCS Program | Varies by need | 1-800-654-8713 |
| Georgia | SOURCE & CCSP Waivers | Up to $20,000 | 1-866-552-4464 |
VA Benefits for Veterans
Specially Adapted Housing — for veterans with serious service-connected disabilities
Special Housing Adaptation — for veterans with specific service-connected disabilities
Home Improvements and Structural Alterations — for medically necessary modifications
Contact the VA at 1-800-827-1000 or visit va.gov to apply.
Other funding sources
Local agencies that coordinate home modification programs for older adults. Find yours at eldercare.acl.gov or call 1-800-677-1116.
HUD-funded grants administered by local governments for low-income homeowners needing home modifications.
Loans and grants for very low-income rural homeowners to repair or modernize homes. Up to $10,000 grant available.
Non-profit that provides free home repairs and modifications for elderly and disabled homeowners. Visit rebuildingtogether.org.
Many states offer tax credits or deductions for home modifications. Check your state revenue department for details.
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Once you know your funding options, compare verified home modification specialists in your area.