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TN Medicaid Respite Care Coverage in Memphis
"Tennessee's Medicaid program covers respite for income-eligible Memphis seniors — how to apply, what's covered, and the typical wait times."
Content Strategist
Reviewed by Carol Bradley Bursack, NCCDP-certified — Owner of Minding Our Elders
2 min read
·
Updated May 13, 2026
Tennessee’s Medicaid pays for respite care through TennCare CHOICES in Long-Term Services and Supports. Income-eligible seniors in Memphis can access a defined number of respite hours per year, adult day program enrollment, and short residential respite stays. Application processing typically takes 2–6 months and is administered through the Tennessee Commission on Aging and Disability, with local enrollment support from the Aging Commission of the Mid-South.
Who qualifies for Medicaid respite in Memphis?
Three eligibility tests apply:
- Income: typically near the SSI level (varies by state and program)
- Assets: usually under $2,000 to $10,000, excluding primary home and one vehicle
- Clinical need: documented need for help with activities of daily living, signed by a physician
The Tennessee application includes 12 months of bank statements and proof of income and assets.
What TennCare CHOICES in Long-Term Services and Supports covers in Memphis
Typical coverage for Tennessee HCBS waiver participants in Memphis:
- In-home respite hours (often 240–720 per year)
- Adult day program enrollment — several licensed programs operate in the Memphis area
- Short residential respite stays at qualifying facilities
- Some home modifications and assistive technology
Coverage varies by specific waiver and program enrollment slot availability.
How to apply for Medicaid respite in Memphis
Step-by-step for Tennessee applicants:
- Call the Aging Commission of the Mid-South for an initial intake (free).
- Gather documents: birth certificate, marriage certificate (if applicable), 12 months of bank statements, proof of income, physician’s documentation of need.
- Submit application through the Tennessee Commission on Aging and Disability — see https://www.tn.gov/tenncare/long-term-services-supports.html.
- Track the application; respond to information requests within deadlines.
- Once approved, work with a case manager to develop the respite care plan.
Typical wait times in Tennessee
Tennessee processing typically takes 2–6 months from application to first approved service. Some specific waiver slots in Tennessee have multi-year waiting lists; others have immediate availability. the Aging Commission of the Mid-South can clarify what’s available for Memphis applicants today.
Combining Medicaid with other funding
Many Memphis families stack funding:
- TennCare CHOICES in Long-Term Services and Supports for primary respite hours
- National Family Caregiver Support Program (via the Aging Commission of the Mid-South) for free supplemental hours
- Private pay for premium hours outside Medicaid coverage
- VA benefits for eligible veterans — coordinated with the Memphis VA Medical Center
A 15-minute call with a respite care coordinator can help you understand whether your Memphis family qualifies for Medicaid respite and what the realistic timeline looks like. Talk to a RespiteCare advisor when you’re ready.
Frequently asked questions
How long does the Tennessee Medicaid respite application take?
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2–6 months from application to first approved service for most Memphis applicants. Some specific Tennessee waivers have multi-year waiting lists; others have immediate slot availability. the Aging Commission of the Mid-South or the Tennessee Commission on Aging and Disability can clarify current wait times. Apply early — don't wait until you need the respite to start the application.
What income and assets disqualify a Memphis senior from Medicaid respite?
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Income above Tennessee's threshold (typically near SSI level) and assets above $2,000–$10,000 (excluding primary home and one vehicle) typically disqualify. Tennessee's specific limits vary by waiver. Medical expenses including paid in-home care can sometimes offset income for eligibility purposes — ask the Aging Commission of the Mid-South about the medical-deduction calculation.
Can I get Medicaid respite if my parent owns their home in Memphis?
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Yes — primary residence is excluded from the asset calculation in Tennessee's Medicaid programs. The home doesn't disqualify your parent from TennCare CHOICES in Long-Term Services and Supports. Estate recovery rules may apply later (the state may seek reimbursement from the estate after death), but the home doesn't block eligibility while your parent is alive.
Does Tennessee Medicaid pay family members to provide respite in Memphis?
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Some Tennessee waivers allow family-member caregivers to be paid; others don't. Spouses are often excluded from being paid; adult children are sometimes eligible. Call the Aging Commission of the Mid-South to confirm the specific rules for TennCare CHOICES in Long-Term Services and Supports as it applies to Memphis families. The Veteran-Directed Care program is more uniformly family-friendly than state Medicaid.
What's the difference between Medicaid and Medicare for respite in Memphis?
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Medicare covers respite only narrowly — 5-day inpatient stays under the hospice benefit. Tennessee Medicaid covers a much broader menu: in-home respite hours, adult day, and short residential respite for income-eligible seniors in Memphis. Many Memphis families use both: Medicare for short-term skilled home health, Medicaid for ongoing respite.
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