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Home and Community Based Services (HCBS) Waivers… as income level. The intention is to allow individual states to accomplish certain goals, such as reducing costs, expanding coverage, or improving care for certain target groups. Through these waivers, states can provide services that wouldn’t … issues Therapies Speech, occupational, physical, mental health and/or behavioral therapies can be covered by your health insurance provider if they are deemed medically necessary by a doctor. This may require prior authorization or appeals. … disabilities Advocacy Networks and Organizations Centers for Independent Living : Consumer-controlled, community-based, private nonprofit agencies that provide independent living services for people with disabilities, including information and …