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Home Care in St. Louis – Your Family Members Get Paid to Care for You via CDS

We are a home healthcare agency that works with Missouri’s Consumer Directed Services (CDS) program. Home Care MO pays the highest wages for CDS in Missouri and enables you to hire the caregiver of your choice.
Top Home Care in St Louis, MO by Home Care MO
Top Home Care in St Louis, MO by Home Care MO

The St. Louis Family Guide to Consumer Directed Services

What is Consumer Directed Services (CDS)?

CDS is a Medicaid-funded program that allows disabled or elderly people in Missouri to hire the caregiver of their choice to help with daily activities. This caregiver, or personal care attendant (PCA), can be a friend, a neighbor, or a family member other than a spouse or legal guardian. A PCA can help with daily chores or hygiene, including:

  • Help with cooking, cleaning the house, doing laundry, or taking medications on time.
  • Assistance with bathing, dressing, using the bathroom, or other personal hygiene tasks.
  • Support on errands or appointments, or general help with mobility.


This service is administered by the Missouri Division of Health and Senior Services (DHSS), and it’s available to eligible adults over the age of 18. The goal of this program is to help participants live independently and choose someone they trust to provide them with care. Participants are responsible for hiring and managing their own attendants.

What this means is that if you need extra assistance in your home, and you qualify for CDS, you may hire your own personal care assistant. The friend or family member you hire will be paid $11-12 per hour through Home Care MO

What does Home Care MO do?

We are a home healthcare agency that works with Missouri’s Consumer Directed Services (CDS) program. Home Care MO pays the highest wages for CDS in Missouri and enables you to hire the caregiver of your choice.

What Does Self-Directed Mean?

Self-directed services allow the consumer to instruct the caregiver on how to give them the best possible care. Because the consumer knows exactly what they need, this model of care allows them the freedom to hire or fire whomever they choose to suit their needs. The consumer is expected to hire and train their own caregivers to help them perform daily tasks such as laundry, taking medications on time, or cooking.

Also, because this is a Medicaid-funded program, the consumer does not need to worry about any medical bills. Provided they meet the program qualifications listed below, this is a 100% free service.

How Did the CDS Program Start?

This program began in the mid-90s and underwent a few shifts and name changes to become CDS. In 1993 a program was started under the oversight of Vocational Rehabilitation. Titled Personal Assistance Services (PAS), it was funded by Medicaid and was meant to support people with disabilities.

In 2005, the Missouri Department of Health and Senior Services (DHSS) took ownership of this program, renaming it Consumer Directed Services (CDS). A major reason for this change was that the program had shifted away from a focus on employment and grown into a more general personal care program that was home and community based.

The DHSS offered vendors the opportunity to serve the CDS program; within 10 years, there were several companies helping match caregivers with elderly or disabled people. In 2019, the state of Missouri reported that over 30,000 people were utilizing the CDS program. That number is still growing.

What Benefits Does CDS Offer?

We’re excited about this program because of the many benefits it offers members of our community:

  • CDS allows elderly or disabled people to remain in their own homes and communities rather than having to seek institutional care or move to an assisted living facility or nursing home.
  • The program allows people to choose caregivers that they know and trust.
  • With CDS, many family members who would be caring for their loved one anyway can get funding.
  • Because the money is provided by Medicaid, participants do not need to worry about payments at all.
  • CDS promotes healthier communities and allows elderly and disabled people to live with more independence.

Essentially, CDS allows people to stay at home where they are most comfortable, direct their own care, and choose a caregiver they trust. Plus, the personal care assistant receives weekly compensation, which helps regular Missourians make ends meet


Does this service cost money?

No! Home Care MO is free for all Medicaid patients. As long as you qualify for CDS you will not be charged any fees or taxes for switching to Home Care MO. This program is funded by Medicaid, so you never have to worry about paying us.

What are the qualifications to receive CDS?

If you meet the below criteria, you may be eligible for CDS:

  • Have Medicaid
  • Over the age of 18
  • Able to direct your own care
  • Need assistance with daily activities, and
  • Live in Missouri

Once you are deemed eligible by Missouri’s Division of Health and Senior Services (DHSS), you can enroll. We’re happy to help walk you through this process!

There are also health needs requirements such as having a physical disability that makes daily activities difficult or requiring the level of care a person would need at a nursing home. The DHSS will assess this and allot hours based on the level of care each individual needs.  If you find yourself needing more care time, give us a call and we will be happy to help you obtain additional service time.  Call us at (314) 501-5330 to get help or find out more!


Can I receive Consumer Directed Services (CDS) where I live?

If you live in Missouri, Home Care MO can provide you with CDS services. We cover most all counties in the state.


How can I become a Consumer Directed Services (CDS) participant?

Missouri’s Medicaid program is called MO HealthNet. If you are not yet enrolled, call them at 855-835-3505 to get started. Once you enroll in MO HealthNet, you can apply for CDS through the Department of Health and Senior Services (DHSS). They will perform an assessment to determine the kind of assistance and personal care you can receive through this program. The kind of care provided through CDS is non-medical, which means that there are no required certifications for these tasks. CDS tasks focus on daily activities, such as cleaning, transportation, food preparation, and grooming.

We want to make this process as easy for you as possible. To find out more, call us at (314) 501-5330

How many hours a day of service can a consumer receive?

The current maximum number of hours a month that a CDS participant may receive is approximately 128.5. Therefore, a participant may receive approximately 4 hours and 15 minutes a day of CDS, depending on the number of days in a month and their personal care needs.

In addition to CDS, certain patients may be eligible to participate in other Home and Community Based Services (HCBS) programs, such as the Independent Living Waiver (ILW) and In-Home Services (IHS). These services would be in addition to CDS and may add significant time to a patient’s total service hours.

I currently have Consumer Directed Services (CDS). How can I switch to Home Care MO?

At Home Care MO, we make it easy to switch! If you’d like to switch your CDS provider, just call us at (314) 501-5330 We’ll take care of the rest.


What is the switching process?

Switching to Home Care MO is super easy! It takes just 5 minutes. Here’s the 3-step process:

  1. Call us at (314) 501-5330
  2. We’ll send some documents for you and your caregiver to sign
  3. The state of Missouri will call you to confirm the switch

That’s it! Now your caregiver will receive $12 an hour! Also, you’ll be part of the Home Care MO family and will benefit from:

  • Exceptional Customer Service
  • Annual Holiday Parties
  • Seasonal Gift Program


How long does it take to switch CDS providers?

Switching CDS providers will generally take 4-6 weeks. At Home Care MO we provide you with updates to ensure you’re notified about every step in the process. You will not lose services during the transition period and your authorized hours will not change.

Who can become a personal care attendant (PCA)?

Any qualified caregiver chosen by the CDS program participant, including a family member (other than a spouse) can be a personal care attendant. As a participant, you will hire, train, and give directions to your caregiver. While specific tasks may vary, most care assistants help with tasks like bathing, personal hygiene, mobility, transportation, taking medications, cooking, laundry, and cleaning. At Home Care MO all PCA’s earn $12/hour.

What Should I Look for in a Caregiver (PCA)?

It is important that you choose a caregiver you know and trust, as this can be a challenging task for both individuals that requires a lot of communication. Most consumers hire a friend or family member, as these people will likely already know about your needs and your daily routine. A good candidate to become your PCA is:

  • Understanding and communicative– Your caregiver should be open and willing to take instruction from you, their employer, about relevant duties. There should be an open line of communication between the caregiver and consumer, and a mutual respect.
  • Experienced– Whether or not they have official caregiving experience, if they have ever helped you in the past they would be better suited to this job as they have already seen your specific care needs. This person could also have experience caring for their own family member or friend in the past.
  • Readily Available– If your potential candidate already works a full-time job, they may not be suited to help you with your day-to-day tasks. People who work part-time, are not currently employed, or are students would be able to take on this job as it typically requires 4 hours per day on average. The workload must fit into their life so that they can adequately provide your care.


How does the compensation work for the personal care attendant?

The Personal Care Assistant (PCA) is compensated at an hourly rate. The current maximum number of hours per month that a CDS participant may receive is approximately 128.5. So, a participant may be compensated for approximately 4 hours and 15 minutes per day, depending on the number of days in each month and each individual’s personal care needs.

This entire program is funded through Medicaid, so there are no extra bills to pay. The person in need of care effectively hires the PCA, and they are paid through a CDS provider like Home Care MO. Please note, the PCA is not an employee of Home Care MO Rather, the PCA is an employee of the CDS participant. Home Care MO serves as a fiscal intermediary, and we make sure all your taxes and services are compliant with Missouri state regulations. We also handle payroll for our clients and their caregivers, to ensure that the caregivers are compensated accurately and in a timely manner. Our payroll runs from Sundays to Saturdays, and we pay our caregivers weekly on Thursdays.

The average pay rate for caregivers is $10.30 per hour. At Home Care MO, all PCAs earn $12 per hour, the highest rate available.

Can I get paid to take care of family?

Yes, you can get paid to take care of your family! You can get paid to care for an elderly parent or other family member. However, spouses are not eligible. For example, a wife cannot get paid to care for her husband. If your elderly or disabled family member lives in Missouri and qualifies for Consumer Directed Services, Home Care MO will pay you $12 per hour to care for them. Contact us today at 1-314-666-8010 to learn more.


Does Home Care MO really pay Personal Care Attendants $12 per hour?

Yes! PCA’s are W-2 employees of the consumer (i.e. the patient) and pay taxes on all wages they earn. No earnings, other than Federal, State, County, City or other government mandated taxes, are deducted from a PCA’s pay of $12.00 per Hour.

We know that quality care strongly correlates with compensation. When we pay PCA’s a respectable wage, they provide better care to their patient, thus benefiting the patient, their family, the community, the State of Missouri and the PCA.  Home Care MO believes the CDS program plays a vital role in the health and happiness of many Missourians and is grateful to enable families and friends to care for each other with respect and dignity.

Is $12 an hour an introductory rate? Will Home Care MO lower my pay after I’ve switched over?

Home Care MO we committed to paying $12 an hour on an ongoing basis, not just as an introductory rate. Please know that we strive to pay CDS caregivers as much as possible and caregivers will never be paid less than $12 an hour.

How do caregivers record their visits?

How do caregivers record their visits?

  • Telephony
  • Mobile App


Caregivers and Consumers can choose to use either (or both) systems. Home Care MO provides comprehensive training to make it easy for caregivers and consumers to understand and use these systems.

With Home Care MO you’ll never have to fill out a paper timesheet again! So, no more trips to the office or money wasted on stamps. With our systems you can record your visit and get paid without any hassle or extra expense.

If I have CDS can Home Care MO help me obtain more hours?

At Home Care MO we perform a comprehensive evaluation of each participant to ensure that their personal care needs are met. At times this may entail requesting additional hours of service. Call us at (314) 501-5330 to speak with one of our specialists to see if you’d qualify for additional hours.


Will I lose hours when I switch to Home Care MO?

Switching will not impact your hours. You will maintain your current service hours when you switch to Home Care MO In fact, Home Care MO will perform a complementary evaluation to see if you qualify for additional service hours!

Does Home Care MO pay the consumer’s taxes?

Yes, all consumer taxes and payments are handled by Home Care MO and overseen by a certified public accountant. We work closely with the IRS, Missouri Department of Revenue and local tax authorities to ensure that all taxes are properly filed and paid.

Medicaid FAQs:

MO Health Net Card
MO Health Net Card

What is Medicaid, and What is MO HealthNet?

Medicaid is a state and federally funded insurance program that exists in every state in the US. However, it differs greatly from state to state, and the Missouri Medicaid program is also called MO HealthNet. The Department of Social Services (DSS) has a Family Support Division (FSD) which determines eligibility for families and individuals, while MO HealthNet handles the payments and finances.

The MO HealthNet program includes two different types of coverage: a fee for service program and a managed care plan. Read further to determine which program you might be eligible for.

Demographically, 64% of Medicaid recipients are 18 years of age of younger, and 22% of MO HealthNet recipients are disabled or blind. 29% of Missouri adults have been diagnosed with some kind of disability, and there are over 78,000 elderly people over the age of 65 who are currently covered by MO HealthNet. The FSD does have 144 locations across the state to assist program members in any county.

Medicaid in Missouri covers low-income children and their parents, guardians, or caretakers. It also covers elderly, blind, or disabled individuals who meet income and resource restriction standards. The services covered by Medicaid in Missouri include, but are not limited to:

  • Outpatient/inpatient services
  • Primary, acute, and preventative care
  • Non-emergent medical transportation
  • Health screenings and immunizations
  • Necessary medical equipment
  • Family planning services
  • Behavioral health and substance abuse services
  • X-ray and laboratory services when prescribed by a physician
  • Nurse-midwife services
  • Physical, occupational, and speech therapy

Some services are only available for certain individuals, and these additional services include:

  • Dental, hearing, and vision care
  • Pharmacy and mental health services
  • In-home care
  • Rehabilitation care
  • Screening and treatment of children under 21 years of age


Do I Qualify for Missouri Medicaid?

There are certain criteria, specific to Missouri, that are required to qualify for the MO HealthNet program. All Missouri Medicaid applicants must:

  • Reside in Missouri
  • Be a US citizen or an eligible qualified non-citizen
  • Apply for or have a valid social security number
  • Meet the individual program’s income requirements


What are the different plans for Missouri Medicaid?

The Managed Care Plan:
This plan falls under the MO HealthNet for Families, and covers children 18 or younger, along with their parents, caretakers, or the guardian with which they reside. Single parents must cooperate with Missouri’s Child Support Enforcement (CSE) to gain medical support from the parent who no longer has custody. Pregnant women and newborns can qualify for Medicaid while the woman is still pregnant. If pursued, this coverage includes 60 days of postpartum care and the coverage for the child extends until the first birthday of the child no matter what.

The Fee-For-Service Plan:
This program is designated for seniors on Medicaid. To qualify, seniors must:

  • Be at least 65 years of age
  • Intend to continue living in Missouri
  • Not be a resident of any kind of institution, with the exception of public medical institutions

To qualify for MO HealthNet for People with Disabilities, an individual must be permanently and totally disabled in accordance with the qualifications defined by the Social Security Administration; they must be unable to gain and sustain employment for a year or longer due to a disability, either physical or mental. They must also not be a member of a public institution.

The income criteria for MO HealthNet programs is determined by poverty guidelines that the federal government is responsible for setting. Resources criteria can also be set, which includes assets such as savings and other countable assets; however, these resources typically only apply to the elderly, disabled, and blind applicants.

Do I meet the income limit for Medicaid in Missouri?

The income requirements vary by program. Income counted for review includes employment wages, social security payments, pension and alimony payments, stock dividends, and IRA withdrawals. To qualify for the plan for Seniors and People with Disabilities, the requirements are:

  • Net monthly household income of less than $913 if single or $1,234 if married, OR
  • For individuals aged 65 and older (63 for women), the net monthly household income level rises to $1,427.50, AND
  • Assets valued at less than $5,035 if single, and less than $10,070 if married and reside with their spouse. Some assets, such as a car and home residence do not count towards the asset limit as long as they remain below the $130,380 market value worth.

Assets are reviewed 5 years prior to the application date, to ensure there are no transfers of assets to date. If an individual’s assets exceed the maximum allowable amount, then those will need to be spent before a person can begin coverage.

If your monthly income exceeds the above-mentioned amounts, you may become eligible when your incurred medical expenses reduce your monthly income below this limit (i.e. when you meet your spenddown).

Do I have to pay for MO HealthNet?

Medicaid is free for most programs. The only reason a member would need to pay for the Seniors and Disabled plan would be if a person didn’t meet the minimum income requirements, but still qualified for a spenddown. A spenddown is an expenditure limit on medical services. Once reached, Medicaid coverage will begin for the person with the spenddown and their further services will be covered by Medicaid for that month. Spending down can include:

  • A monthly submission of medical expenses to a caseworker
  • Monthly payments of the spend down amount to the MO HealthNet Division (these payments would act similarly to paying an insurance premium)


Will I have to wait long to get approved for my MO HealthNet coverage?

Typically, applications take 30-45 days to process, but the wait could be as long as 90 days depending on other factors. By ensuring your application contains complete and accurate information, you can ensure the quickest possible turn-around time.

If you are applying for Medicaid and you need your assets to be reviewed and appraised, this process can take extra time and might delay the processing speed of the application.

How do I apply for Missouri Medicaid?

Residents of Missouri can sign up for Medicaid online, by phone, by mail, or in person at a Medicaid office. It is important that an applicant checks they qualify and have the required documents before applying. The required documents, along with an application form, include:

  • Proof of US citizenship
  • Proof of Missouri residency
  • Income statements
  • Social security number
  • Current address
  • Phone number
  • Household size by person


If an individual is applying for other family members, they must submit this information for every family member for which they are applying. This includes a separate Medicaid application for each family member. When filling out applications, it is important to be thorough and fill out all important information and dates correctly and accurately. Mistakes in this process could result in later delays in processing, or denial of admittance into the Medicaid program.

If you choose to apply in person or over the phone, a representative can help walk you through the process which may be helpful to some applicants. In Medicaid FSD offices, there are forms available in English, as well as Spanish, Vietnamese, and Bosnian. If your native language is not included in these, an office representative will be available to assist you.

What are the different waivers available with Missouri Medicaid?

Waivers offered by Medicaid provide long-term care for those who are elderly or disabled and allow them to live in the community to receive care rather than in a nursing facility or institution. The state prefers this process because institutionalized care is often far more expensive than home care. There are three main Home and Community Based Services (HCBS) waivers offered by the state:

  • The Aged and Disabled Waiver (ADW) provides in home services to seniors requiring a nursing home level of care. This program includes respite care, chore services, adult day care, home meals delivered, and homemaker services. This program does have limited spots available at any given time.
  • The Supplemental Nursing Care (SNC)provides financial assistance to those living in residential care facilities including assisted living.
  • The Independent Living Waiver (ILW) is commonly used for physically disabled adults enrolling under the age of 64 to be able to continue to receive services. Some available benefits include personal care assistance, home modifications, and medical equipment and supplies. This waiver is popular with CDS program members because it allows for additional service hours of self-directed care by a person of the applicant’s own choosing. This includes family members excluding spouses, or a friend.


What do I do after applying for Missouri Medicaid?

Applications take several weeks to process, and it is not uncommon for the state to require additional information or documentation after they have received your application. If this is the case, they will contact you by phone, mail, or email, depending on how you submitted your application, to inquire about the additional information. If you are curious about the status of your application, you can contact MO HealthNet online, or by phone at 1-888-275-5908.

Home Care MO Staff

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