Ohio Medicaid Information
If you need help with long-term care costs at an assisted living or a nursing home, you may find yourself confused about obtaining Medicaid eligibility.
Here at AlerStallings, we can:
- Determine if you meet Medicaid eligibility requirements
- Assist you with applying for Medicaid
- Help you with any other legal aspects of receiving care while you live in your home, move in with a family member, or transition to a nursing home or assisted living facility
What Is Medicaid?
Medicaid is a jointly-funded, federal-state program that offers assistance to those who meet eligibility requirements. For Ohio seniors, Medicaid can help pay for nursing home care and other forms of long-term care.
Assisted Living Waiver
Medicaid pays for nursing home care, but for those who wish to live in an assisted living, Medicaid will sometimes pay for care in those locations if it can be obtained at a lower cost than in a nursing home. It does so through “Medicaid Waivers,” which are also called Home and Community Based Services (HCBS) Waivers or Waiver Funded Services. In addition to care management, this waiver program pays for the cost of assisted living, but does not include the monthly fees for room and board.
There are no caps on enrollment. Instead, limitations exist because assisted living facilities often prioritize accessibility to their existing private-pay residents. When considering a move to an assisted living facility, you should contact providers to determine if they have a waiting list, the expected length, and whether they have a minimum private-pay time period.
Ohio Medicaid PASSPORT Waiver
Ohio offers the Medicaid PASSPORT Waiver program for seniors who want to stay in their own home or with a relative, but need nursing home care. Seniors must meet Ohio Medicaid eligibility requirements and additional PASSPORT requirements, including a health assessment, to benefit from this program.
The financial guidelines for PASSPORT are the same as nursing home Medicaid limits. An individual’s gross monthly income must be less than three times the Federal Benefit Rate (FBR), which as of 2019, is $2,313. When one spouse needs care, only income in the name of the applicant is counted towards the income limit. In some cases, the applicant spouse can also allocate some of his/her monthly income to the community spouse. This is called the Minimum Monthly Maintenance Needs Allowance. It is intended to prevent the community spouse from having too little income in which to adequately live.
If you do not meet the financial requirements for Medicaid, we may be able to assist you in qualifying for assistance by creating a Medicaid trust or by identifying assets that may be exempt from a Medicaid spend down. Contact AlerStallings today for help with Medicaid planning.