Missouri Medicaid Definition
Medicaid, which is called MO HealthNet in Missouri, is a wide-ranging, jointly funded state and federal health care program. Through MO HealthNet, many groups of low-income people, including pregnant women, families, and the blind, disabled, and elderly are able to receive medical and care assistance. That being said, this page is focused on Medicaid eligibility, specifically for senior Missouri residents who are 65 years of age and over, and specifically for long term care, whether that be at home, in a nursing home, or in assisted living.
Income & Asset Limits for Eligibility
There are several different Medicaid long-term care programs for which Missouri seniors may be eligible. These programs have slightly different eligibility requirements, as well as benefits. Further complicating eligibility are the facts that the criteria vary with marital status, and that Missouri offers multiple pathways towards eligibility.
1) Institutional / Nursing Home Medicaid – is an entitlement (anyone who is eligible will receive assistance) and is provided only in nursing homes.
2) Medicaid Waivers / Home and Community Based Services – Limited number of participants and is provided at home, adult day care or in assisted living.
3) Regular Medicaid / Aged Blind and Disabled – is an entitlement and is 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 a MO HealthNet program. Alternatively, take the Medicaid Eligibility Test. IMPORTANT, not meeting all the criteria below does not mean one is ineligible or cannot become eligible. More.
|2018 Missouri Medicaid (MO HealthNet) 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||All available income must be paid towards care.||$2,000||Nursing Home||All available income must be paid towards care.||$4,000||Nursing Home||All available income must be paid towards care.||$2,000 for applicant & $123,600 for non-applicant||Nursing Home|
|Medicaid Waivers / Home and Community Based Services||$1,285 / month||$2,000||Help w/ 2 ADLs||$2,570 / month||$4,000||Help w/ 2 ADLs||$1,285 / month||$2,000 for applicant & $123,600 for non-applicant||Help w/ 2 ADLs|
|Regular Medicaid / Aged Blind and Disabled||$885 / month||$2,000||None||$1,151/ month||$4,000||None||$885 / month||$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, pension payments, Social Security Disability Income, Social 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. There is also a Minimum Monthly Maintenance Needs Allowance (MMMNA), which is the minimum amount of monthly income to which the non-applicant spouse is entitled. (As of July 2018, this figure falls between $2,057.50 / month and $3,090 / month). This rule allows the Medicaid applicant to transfer income to the non-applicant spouse to ensure he or she has sufficient funds with which to live.
What Defines “Assets”
Countable assets include cash, stocks, bonds, investments, 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 considered exempt (non-countable). Exemptions include personal belongings, household furnishings, an automobile, irrevocable burial trusts, and one’s primary home, given the Medicaid applicant or their spouse lives in the home and the home is valued under $572,000 (in 2018). For married couples, as of 2018, the community spouse (the non-applicant spouse) can retain up to a maximum of $123,600 of the couple’s joint assets, as the chart indicates above. This, in Medicaid speak, is referred to as the Community Spouse Resource Allowance (CSRA).
It’s important to be aware that Missouri has a 5-year Medicaid Look-Back Period. This is a period of time in which Medicaid checks to ensure no assets were sold or given away under fair market value in order to meet Medicaid’s asset limit. If one is found to be in violation of the look-back period, a period of Medicaid ineligibility will ensue.
Qualifying When Over the Limits
For Missouri elderly residents, 65 and over, who do not meet the eligibility requirements in the table above, there are other ways to qualify for Medicaid.
1) Medically Needy Pathway – In a nutshell, one may still be eligible for Medicaid services even if they are over the Medicaid income limit if they have high medical bills. In Missouri, this program is called a Spend Down program, and the way this program works is one’s “excess income,” (their income over the Medicaid eligibility limit), is used to cover medical bills. Examples include prescription drugs, dental and eye care services, durable medical equipment, home nursing services, and hospital bills. If a Medicaid applicant is married, medical bills accrued by one’s spouse can also go towards meeting one’s spend down. (One’s spend down can be thought of as an insurance deductible). Missouri has a one-month “spend-down” period, so once an individual has paid their excess income down to the Medicaid eligibility limit for the period, one will qualify for the remainder of month.
Unfortunately, the Medically Needy Pathway does not assist one in spending down extra assets for Medicaid qualification. Said another way, if one meets the income requirements for Medicaid eligibility, but not the asset requirement, the above program cannot assist one in “spending down” extra assets. However, one can “spend down” assets by spending excess assets on non-countable assets, such as home modifications (wheelchair ramps, stair lifts, and widening of doorways to allow wheelchair access), vehicle modifications (hand controls and pedal extenders), 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, yet 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 Missouri Medicaid Programs
Missouri Medicaid / MO HealthNet will pay for nursing home care for those residents who require that level of care. In addition, MO HealthNet offers several programs that help Missouri residents who require the level of care provided in a nursing home, but home wish to remain living at home. These programs and other types of community-based care from the state Medicaid program are detailed below.
1. Aged and Disabled Waiver – Provides adult day care and meal services to help families who wish to care for a loved one at home. These supports are intended to enable persons to maintain full-time employment while caring for a loved one.
2. Supplemental Nursing Care Assistance – This is a cash benefit intended to help persons in need to afford the cost of assisted living. It will not cover the full cost but can be combined with other sources of income.
3. Home and Community Based Services – The services available under this program are similar to the Aged and Disabled Waiver, however, these services are under the state’s regular Medicaid program and therefore are entitlements. On the downside, the financial eligibility criteria are more restrictive.
4. Independent Living Waiver – As implied by the name, this program helps beneficiaries to live independently by paying for personal care, medical equipment and home modifications. Enrollment is limited.
5. Consumer Directed State Plan Personal Care – Under MO regular Medicaid program, this program allows family members to be hired as personal care providers and paid by the state.