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The decisions families actually face.

Plain-language explainers about the decisions New York families actually face around Medicaid home care: self-direction or an agency, who can be paid to help, what to do when a notice cuts hours, and how surplus income works. Every post quotes the State Department of Health’s own wording, names no agency, trust, or law firm, and points to free public help first.
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September 28, 2026 · 4 min read

How to meet a Medicaid spend-down in New York (excess income)

In short: a spend-down (New York calls it "excess income" or "surplus income") works like a monthly deductible. Each month, once you show medical bills equal to your excess income, Medicaid…

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Need help with this? Get free one-on-one guidance.

If a relative is preparing to become a CDPAP personal assistant, or your family is choosing between CDPAP and agency care, leave your name and email and we will send the free caregiver checklist with a plain-language summary of which rules apply. It is held by this site only and never passed to any agency, intermediary, trust, or attorney. The free public numbers above are always an option too.

You can also call NY Connects free at 1-800-342-9871 or HIICAP at 1-800-701-0501. Free, any age, on Medicaid or not. They do not sell services.

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Want help sorting out your next steps?

For a relative preparing to become a personal assistant, or a family choosing between CDPAP and agency care. Held by this site only, never passed to any agency, intermediary, trust, or attorney.

You can also call NY Connects, New York’s free line for long-term services and supports: 1-800-342-9871. Free, any age, on Medicaid or not. They do not sell services. Relay 7-1-1 HIICAP: 1-800-701-0501.

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