Costs and financing
What projects typically cost, and who helps pay: Medicare Advantage, Medicaid waivers, VA grants, tax deductions and home equity.
4 guidesLast reviewed [FPO date]
Nothing matches that yet.
Try a room (bathroom, stairs), a thing (grab bar, tile) or a question (how much, who pays). Or call Shep at 833-AIPA-HUB.
The guides
- 1Start hereWhat aging-in-place projects typically costMost homes can be made much safer for a few thousand dollars. Larger changes, like a curbless shower or an elevator, run from tens of thousands upward.
- 2Medicare Advantage and in-home benefitsOriginal Medicare does not pay for home changes. Some Medicare Advantage plans offer extra benefits, such as bathroom safety items or in-home help, but they vary by plan and by year.
- 3Medicaid waiver home modification programsMost states use Medicaid waivers to pay for home changes that help someone avoid a nursing home. The rules, limits and waiting lists vary by state.
- 4VA housing grants for veteransThe VA offers grants to adapt a home for veterans with service-connected disabilities, and smaller grants for medically needed changes. For fiscal year 2026, the largest grant tops $126,000.
Programs and rules change often, and many vary by state. Each guide shows the date it was last reviewed. Always confirm with the program itself before you count on it.
Questions to ask here
Bring these to a contractor, or to the next Live Q&A.
- What's included in the quote, and what isn't?
- Is a permit included in the price?
- Does a doctor or occupational therapist need to recommend the work?
- Does the program pay the contractor, or reimburse you?
- Is there a waiting list?
- Can the work be done in stages to spread the cost?
Related sections
Most projects touch more than one part of the library.