Financing & Insurance Options for Home Modifications
Home safety shouldn't be out of reach because of cost. Several programs in Missouri can help fund modifications for seniors and individuals with disabilities.
Missouri Medicaid HCBS Waiver
Missouri's Medicaid Home and Community Based Services (HCBS) waiver program can cover home modifications for individuals who qualify for a nursing-facility level of care but choose to remain at home.
What's Covered:
- • Grab bar installation
- • Walk-in shower conversions
- • Wheelchair ramps
- • Doorway widening
- • Non-slip flooring
How to Apply:
Contact the Missouri Division of Senior and Disability Services (DSDS) at 1-866-835-3505 to request a functional assessment.
VA Benefits for Veterans
Veterans with service-connected disabilities may qualify for substantial home modification funding.
SAH Grant
Specially Adapted Housing grant for qualifying service-connected disabilities
SHA Grant
Special Housing Adaptation grant for specific disabilities
HISA Grant
Home Improvements and Structural Alterations grant for modifications prescribed by a VA physician. Available to enrolled veterans.
Contact the Kansas City VA Medical Center or your local VA office.
USDA Section 504 Home Repair
Rural homeowners in eligible areas may qualify for USDA Section 504 loans or grants for home repair and accessibility modifications.
- • Loans: Low-interest repair loans for low-income homeowners
- • Grants: Available to homeowners age 62+ who cannot repay a loan
- • Must be in a USDA-eligible rural area (check the USDA eligibility map)
Medicare & Medicare Advantage
Traditional Medicare (Parts A & B) does not cover home modifications. However, some Medicare Advantage (Part C) plans in Missouri include supplemental home safety benefits.
Check your specific plan benefits or contact us — we can help you determine what's covered.
Other Financing Options
- • Area Agency on Aging — Mid-America Regional Council (MARC) Area Agency on Aging may have limited grant funding
- • MHDC Home Repair Program — Missouri Housing Development Commission program for low-income homeowners
- • Home equity loans — Local banks offer competitive rates for home improvement projects
- • Personal loans — Unsecured options available for smaller projects
- • Payment plans — Ask us about flexible payment arrangements for qualifying projects
Not Sure What You Qualify For?
During your free assessment, we'll help identify potential funding sources for your specific situation.
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