New York Programs That Help Pay for Home Care 

For many New York families, the cost of home care can be overwhelming. Fortunately, the state offers specialized programs that make high-quality care more accessible — especially through Managed Long-Term Care (MLTC) plans. These programs provide financial assistance and coordinated benefits for individuals who need help with daily activities but want to remain safely in their own homes. 

Understanding Managed Long-Term Care (MLTC) 

Managed Long-Term Care (MLTC) is a Medicaid program designed for adults with chronic health conditions or disabilities who require ongoing care. Instead of paying directly for multiple services, individuals receive comprehensive care coordination through an approved health plan. 

MLTCs cover a wide range of essential services, including: 

• Home health aide and personal care assistance 

• Nursing services 

• Physical, occupational, and speech therapy 

• Medical supplies and transportation 

• Social day programs and support coordination 

In New York, two of the most widely used MLTC plans are Anthem Blue Cross Blue Shield (BCBS) and Healthfirst. These organizations provide high-quality, person-centered care and coordinate multiple services under one plan, making it easier for families to manage medical and personal care needs seamlessly. 

Anthem Blue Cross Blue Shield MLTC 

Anthem BCBS offers a robust MLTC program in New York that focuses on individualized care planning and consistent caregiver support. Members can receive a broad array of services — from daily personal care to skilled nursing — all coordinated through one trusted provider network. Anthem’s model emphasizes continuity, meaning the same caregivers and case managers are assigned to each member whenever possible, ensuring familiarity and peace of mind. 

Healthfirst MLTC 

Healthfirst MLTC is another leading option for New York residents who need long-term care support at home. Their program helps seniors and adults with disabilities maintain independence by covering home health aide services, adult day care, and therapy programs. Healthfirst also provides access to culturally diverse care teams who understand the communities they serve — an important factor in patient comfort and trust. 

Partner-Supported Medicaid and MLTC Enrollment 

At UniversaCare, we understand that applying for Medicaid or an MLTC plan can be confusing. That’s why we’ve partnered with a dedicated enrollment specialist who assists families throughout the process — from Medicaid eligibility screening and documentation submission to MLTC approval. 

This partnership ensures that clients can transition smoothly into programs like Anthem BCBS or Healthfirst MLTC without delays or missed benefits. Our team works hand-in-hand with both the family and the MLTC provider to ensure all care needs are properly assessed and approved. 

Benefits of Enrolling in an MLTC Plan 

Choosing an MLTC plan offers several advantages for families seeking long-term support: 

• Reduced out-of-pocket expenses for home care and personal assistance 

• Comprehensive care management — all services coordinated under one plan 

• More independence and choice, allowing individuals to stay at home instead of moving to a facility 

• Access to skilled, certified caregivers through trusted home care agencies like UniversaCare 

Accessible, Coordinated, Compassionate Care 

New York’s Managed Long-Term Care programs are designed to bring quality, affordability, and independence together under one system. By enrolling in an MLTC plans families can access vital care services while preserving dignity and choice. 

Through our partner enrollment specialists, UniversaCare simplifies the Medicaid and MLTC application process — ensuring that clients are connected quickly to the right program and begin receiving the care they deserve. 

UniversaCare remains committed to providing high-quality, affordable, and compassionate home care for every New Yorker — one family at a time.