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Long-Term Care Services Coverage For People With Low Income and Assets
Medicaid covers nursing home services for all eligible people age 21 and older. Medicaid also covers long-term care services in nursing homes, and home and community-based long-term care services, such as visiting nurses and assistance with personal care, for people who would need to be in a nursing home if they did not receive the home care services. In most states, Medicaid will also cover services that will help you remain in your home, such as personal care services, case management, and help with laundry and cleaning. Medicaid will not pay for your rent, mortgage, utilities, or food. Check to see whether your state Medicaid program offers alternatives to nursing home care services.
It is important to understand that Medicaid programs and eligibility for services vary from state to state. Services that may be available to you in one state may not be available in another. For example, some states cover assisted living services, while others do not. Contact your state Medicaid office to learn more about your state’s programs and eligibility requirements.
To be eligible for Medicaid you must meet certain requirements, including having income and assets that do not exceed the levels used by your state. Once your state determines that you are eligible for Medicaid, the state will make an additional determination of whether you qualify for long-term care services. When determining whether you qualify for long-term care services, most states use a specific number of personal care and other service needs to qualify for nursing home care or home and community-based services. There may be different eligibility requirements for different types of home and community-based services.