Idaho Medicaid Definition
Medicaid in Idaho is also called Idaho Health Plan Coverage, and is administered by the Idaho Department of Health and Welfare.
Medicaid is a wide-ranging health insurance program for low-income individuals of all ages. Jointly funded by the state and federal government, it provides health coverage for various groups of Idaho residents, including pregnant women, parents and caretaker relatives, adults with no dependent children, disabled individuals, and seniors. However, the focus of this webpage is strictly on Medicaid eligibility for Idaho elders, aged 65 and over, and specifically for long term care, whether that be at home, in an adult foster care home, in a nursing home, or in an assisted living facility.
Income & Asset Limits for Eligibility
There are several different Medicaid long-term care programs for which Idaho seniors may be eligible. These programs have slightly different financial and medical (functional) eligibility requirements, as well as varying benefits. Further complicating eligibility are the facts that the requirements vary with marital status and that Idaho offers multiple pathways towards Medicaid eligibility.
1) Institutional / Nursing Home Medicaid – this is an entitlement program. This means anyone who meets the requirements will receive assistance, which is provided only in nursing home facilities.
2) Medicaid Waivers / Home and Community Based Services (HCBS) – with these programs, there are a limited number of participant enrollment slots. Therefore, wait lists may exist. Benefits are provided at home, adult foster care, adult day care, or in assisted living.
3) Regular Medicaid / Aid to the Aged, Blind, and Disabled (AABD) – this is an entitlement program, which means all eligible applicants are able to receive services. Benefits are provided at home or adult day care.
The table below provides a quick reference to allow seniors to determine if they are immediately eligible for long term care from an Idaho Medicaid program. Alternatively, take the Medicaid Eligibility Test. IMPORTANT, not meeting all the criteria below does not mean one is not eligible or cannot become eligible. More.
|2018 Idaho Medicaid Long Term Care Eligibility for Seniors|
|Type of Medicaid||Single||Married (both spouses applying)||Married (one spouse applying)|
|Income Limit||Asset Limit||Level of Care Required||Income Limit||Asset Limit||Level of Care Required||Income Limit||Asset Limit||Level of Care Required|
|Institutional / Nursing Home Medicaid||$2,250 / month||$2,000||Nursing Home||$4,500 / month||$4,000 (Each spouse is allowed up to $2,000)||Nursing Home||$2,250 / month for applicant||$2,000 for applicant & $123,600 for non-applicant||Nursing Home|
|Medicaid Waivers / Home and Community Based Services||$2,250 / month||$2,000||Nursing Home||$4,500 / month||$4,000 (Each spouse is allowed up to $2,000)||Nursing Home||$2,250 / month for applicant||$2,000 for applicant & $123,600 for non-applicant||Nursing Home|
|Regular Medicaid / Aged Blind and Disabled||$783/ month||$2,000||None||$1,125/ month||$3,000||None||$783/ month for the applicant||$2,000||None|
What Defines “Income”
For Medicaid eligibility purposes, any income that a Medicaid applicant receives is counted. To clarify, this income can come from any source. Examples include employment wages, alimony payments, Veteran’s benefits, pension payments, Social Security Disability Income, Social Security Income, Supplemental Security Income, IRA withdrawals, and stock dividends. However, when only one spouse of a married couple is applying for Medicaid, only the income of the applicant is counted. Said another way, the income of the non-applicant spouse is disregarded and does not affect the applicant spouse’s eligibility.
For married couples with non-applicant spouses’ with insufficient income in which to live, there is a Minimum Monthly Maintenance Needs Allowance (MMMNA). The MMMNA is intended to prevent impoverishment of non-applicant spouses. In simple terms, if the non-applicant spouse, also called the community spouse or well spouse, has income under $2,057.50 / month (this figure changes each year in July), he or she is entitled to a portion of the applicant spouse’s income. If the well spouse has income equivalent to $2,057.50 / month or more, he or she may be entitled to a greater amount of the applicant spouse’s income based on their shelter and utility costs. However, the maximum monthly income the non-applicant spouse may be entitled to is $3,090 / month (this figure changes in January of each year).
What Defines “Assets”
Countable assets include cash, stocks, bonds, investments, promissory notes, credit union, savings, and checking accounts, and real estate in which one does not reside. However, for Medicaid eligibility, there are many assets that are not counted. In other words, they are exempt. Exemptions include personal belongings, such as clothing, household furnishings and appliances, an automobile, a burial plot, a prepaid funeral contract, and one’s primary home, given the Medicaid applicant or their spouse lives in the home and the equity value is under $858,000 (in 2018).
For married couples, as of 2018, the community spouse can retain half of the couples’ joint assets (up to a maximum of $123,600), as the chart indicates above. That said, if a couple has resources equal to or less than $24,720, the non-applicant spouse is able to retain 100% of the assets. This spousal impoverishment rule is referred to as the Community Spouse Resource Allowance (CSRA) and is intended to prevent the non-applicant spouse from having too little from which to live.
Please note, it is vital that one does not give away assets or sell them for less than fair market value in an attempt to meet Medicaid’s asset limit. This is because Idaho has a Medicaid Look-Back Period, which is a period of 60 months (5 years) that dates back from one’s Medicaid application date. During this time frame, Medicaid checks all past transfers to ensure no assets were sold or given away for less than they are worth. If one is found to be in violation of the look-back period, one will be penalized with a period of Medicaid ineligibility.
Qualifying When Over the Limits
For elderly Idaho residents (65 and over) who do not meet the eligibility requirements in the table above, there are other ways to qualify for Medicaid.
1) Qualified Income Trusts (QIT’s) – QIT’s, also referred to as Miller Trusts, are special trusts for Medicaid applicants who are over the income limit but still cannot afford to pay for their long-term care. This type of trust offers a way for individuals over the Medicaid income limit to still qualify for long-term care Medicaid, as money deposited into a QIT does not count towards Medicaid’s income limit. In simple terms, one’s excess income (over the Medicaid income limit) is directly deposited into a trust, in which a trustee is named, giving that individual legal control of the money. The account must be irreversible, meaning once it has been established, it cannot be changed or canceled, and must have the state of Idaho listed as the remainder beneficiary. In addition, the money in the account can only be used for very specific purposes, such as paying long term care services / medical expenses accrued by the Medicaid enrollee. As previously stated, the income in this account is exempt from Medicaid’s income limit.
Unfortunately, Qualified Income Trusts do not assist one in qualifying for Medicaid if their assets are over the eligibility limit. Said another way, if one meets the income requirements for Medicaid eligibility, but not the asset requirement, the above option cannot assist one in “spending down” their excess assets. However, one can “spend down” assets by spending assets over the asset limit on non-countable assets. Examples include home modifications and additions (wheelchair ramps, roll-in showers, stair lifts, and adding first floor bedrooms), home improvements (replacing faulty electrical wiring, updating plumbing, and replacing old water heaters), vehicle modifications (wheelchair lifts, adaptive control devices, and floor modifications to allow one to drive from a wheelchair), prepaying funeral and burial expenses, and paying off debt.
2) Medicaid Planning – the majority of persons considering Medicaid are “over-income” or “over-asset” or both, but still cannot afford their cost of care. For persons in this situation, Medicaid planning exists. By working with a Medicaid planning professional, families can employ a variety of strategies to help them become Medicaid eligible. Read more or connect with a Medicaid planner.
Specific Idaho Medicaid Programs
1) HCBS Aged & Disabled Waiver – this waiver is intended to prevent and delay nursing home placement of seniors and disabled individuals. Supportive services may be provided at home, assisted living facilities, and adult foster care homes. Benefits may include adult day care, meal delivery, attendant care, homemaker services, respite care, companion services, and more. There is a participant directed component to this waiver that allows program participants to hire the provider of their choice, including some family members, for some services.
2) Personal Care Services Program (PCSP) – also a nursing home diversion program, this program provides support with a variety of daily living activities. Examples include housekeeping services, laundry, preparation of meals, medication management, and assistance with bathing, grooming, eating, and mobility, etc.
3) Medicare Medicaid Coordinated Plan (MMCP) – intended for Idaho residents that are eligible for both Medicare and Medicaid, MMCP streamlines the benefits of each of the programs into one program. Available benefits include personal care services, nursing home care, dental care, prescription drugs, Aged & Disabled Medicaid Waiver services, and more. Unfortunately, as of July 2018, this program is not available statewide.