Waiver Services Are Not Just for Low-Income Families

This surprises many Iowa parents, so let’s clear it up.

Medicaid waivers are designed to meet a child’s disability related needs, not just a family’s income. Many children can qualify for waiver services even when the parents’ income would generally be too high for traditional Medicaid.

How is that possible?

In many cases, waiver eligibility is based on the child’s disability and level of need. Financial eligibility is often assessed under special Medicaid rules for children receiving disability-related services, which may differ from standard income-based Medicaid.

What this means for your family

If someone tells you, “You probably make too much,” do not assume you are disqualified. Apply anyway, ask questions, and request a clear explanation of which financial rules they are using for your child.

Quick tip

When you call, ask, “Are you determining eligibility based on the child’s disability related waiver criteria, and what financial rules apply for a minor child in this program?”

• In person at your local HHS office
• By mail: Mail your COMPLETED application to: 

Imaging Center 4

PO Box 2027

Cedar Rapids, IA 52406

STEP 2: APPLY FOR THE WAIVER PROGRAM, OR PROGRAMS

The application process is the same as above.  Always make sure to contact your local HHS office in order to confirm you are on a waitlist. 

Here is a myth to toss in the trash. You do not have to pick only one waiver to apply for. Information on the different waivers can be found HERE.

In Iowa, a child can be on more than one waiver waiting list at the same time. A child cannot receive services under more than one waiver at a time, but they can wait on more than one list.

THE SMART STRATEGY - TAKE THE FIRST OPEN SPOT

Because wait lists can be years long, many families apply for every waiver that might fit their child’s needs. Then they:

• Take the first waiver opening that meets needs reasonably well
• Stay on the waiting list for the waiver that is a better fit
• Switch later if the better fit waiver opens up
• That is a practical way to get help now, rather than waiting years for no support.

STEP 3: DOCUMENT EVERYTHING

Once you apply, keep proof.

• Save your confirmation
• Write down the date you applied
• Keep copies of letters, notices, and emails
• If there is a wait list, families are often told “no” because no slot is available yet, even when the child would otherwise qualify.
• Documentation protects you.

STEP 4: CHECK THE WAIT LIST

Iowa HHS publishes regular updates on the HCBS waiting list at Waitlist Link.  These summaries help you understand how far back the oldest application dates go for each waiver, and what that might mean for your timeline.

STEP 5: IF NEEDS ARE URGENT, ASK ABOUT PRIORITY OPTIONS

Some families may qualify for additional review based on urgent needs. Policies and processes can change, so ask HHS which priority options are available and what documentation they need.