Simple Guide To Understanding Long Term Medicaid Services

Not all elderly people can stay in their homes because of an illness that prevents them from caring for their daily needs. When it's time to move to a facility providing 24-hour care, paying for it is often an issue. Whether a person is disabled or elderly, there are several options for Medicaid services.

Many people 65 and older have Medicaid services through their state, understanding long-term Medicaid services can help in paying for care in health care facilities.

Applying For Long Term Medicaid 

All Medicaid services are need-based, and all ages are eligible. However, long-term services are for senior and disabled persons requiring long-term care.

To receive long-term Medicaid, you must qualify according to your state guidelines and other eligibility requirements.

  • Be a state resident in which you are applying
  • Be permanently blind, disabled, or 65 or older
  • Monthly income under the state specified level
  • Need long-term care

You can test your eligibility online through the American Council on Aging. This is an easy way to determine what Medicaid services you or an elderly loved one may be eligible for.

Setting For Long Term Medicaid

Medicaid provides several long-term services that can vary by state. However, there are several facilities where long-term services are offered.

  • Assisted living facilities
  • Adult foster care homes
  • Caregiver homes (close friend, relative)
  • Memory care facilities

Medicaid does pay for health services provided at these facilities, but in the case of assisted living homes or foster care, the service doesn't pay for the patient's room and board. So these are usually out-of-pocket costs patients must be aware of before choosing a facility.

Coverage Of Long Term Medicaid

Long-term Medicaid services do vary by state and can vary by which program a person applies for. However, there are many services commonly covered:

  • Assistance with daily living
  • House cleaning
  • Respite care
  • Modifications for home safety
  • Medical supplies
  • Transitional services
  • Vehicle modifications

Home-based services are also covered in most states. This includes assistance for primary caregivers who wish to keep their elderly loved ones at home.

Medicaid is a need-based service. While all states provide long-term services for nursing homes, many also offer assistance for medical and non-medical support services for the elderly. Anyone needing help can apply for free and determine what, if any, services they qualify for based on health, living conditions and other medical needs. Since states vary by assistance, it's best to contact the professional in your state to determine what is covered.