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Nationwide Medicaid Long-Term Care Guide

Jun 11 2019

For those who have started the search for long-term care benefits, or even just long-term care in general, you’ve no doubt come to realize how complicated the whole thing is. There are multiple offices and by the time you think you’ve found the right one, you’ll be transferred to the next. Most states have their long-term care offices underneath the umbrella of their Department of Health Services, but due to the incredibly large scope of each state’s DHS, the person you get a hold of may not be familiar with long-term care specifically. Likewise, it feels as if departments everywhere are understaffed because we’ve been hearing complaints of people being forced to leave voicemails with the hope of being called back. 

I work with an organization called Senior Planning and we provide free assistance to seniors and their families regarding elder care and housing options. Our goal is to bridge the gap between the people who need care and the people who give care or care benefits. We’re excited to announce the completion of a much-needed nationwide resource. We’ve put together a comprehensive summary of state Medicaid programs for long-term care. Each state has individual programs and eligibility requirements that many people are unaware of since long-term care Medicaid has different requirements than general Medicaid. Surprisingly, through months of research, we’ve discovered this type of resource does not exist anywhere else on the web.

In this context, long-term care is the term that states use to describe the type of care at a nursing home level of care. Depending on the state, patients can either receive services in their home or at a registered facility. A nursing home is usually the highest level of care someone can receive outside of a hospital. While nursing homes provide assistance with daily care, they are generally chosen as a living option because of the high level of medical care available. In order to be eligible for long-term care benefits from the state, applicants must first be deemed eligible from a medical standpoint.

Before applicants can be considered for eligibility, however, they must first submit an application. Our hope in creating a nation-wide guide is that people will be more aware of their chances for acceptance before they apply. While our guide does not include every facet of every program, it is a great place to start and will inform you of the asset limits, income limits and medical requirements before applying. Since very few states have online applications, the process must either be done over-the-phone or in-person so it helps to have a base knowledge before opening an application. We recommend using the guide as a jumping-off point.

More often than not, state websites unintentionally put Medicaid long-term care information in multiple places, making it incredibly difficult to find anything unless you know exactly what you are looking for. In addition, Medicaid.gov includes general facts, but fails to delve into state-specific eligibility requirements. Using state websites when available, but mostly public records of state legislation, we were able to construct this guide and do the legwork for you.

Our aim is to provide people with the knowledge they need to start planning for long-term care. If you missed the link up top, click here to view the interactive map with each state’s unique Medicaid information. Even if you or your loved one isn’t quite ready for long-term care, I would still recommend checking out the guide so you can be aware of programs if the need ever does arise. 

Max Gottlieb is the content manager for Senior Planning. We’re happy to answer any questions you may have and our website is a great place to submit requests for information.