Georgia Medicaid Long Term Care Eligibility for 2025
Georgia Long Term Care 2025
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Georgia in 2025 is an income cap state, meaning that in order to be eligible for Medicaid long term care benefits there is a hard income limit. Non income cap states allow applicants to spend down money for their care, whereas income cap states require the amount to be no higher than their limit at time of application. In order for persons whose income exceeds the Maximum Income Limit to become eligible for Medicaid long-term care services, they can create a Qualified Income Trust, commonly known as a “Miller Trust,” for the excess income. To become eligible, the state must be named beneficiary on the Miller Trust.
Medicaid long term care in Georgia for 2025 allows seniors to live in whichever setting is most fitting for their situation. This could be a nursing home, the recipient’s own home, or a caregiver’s home. To be eligible, applicants must meet both income and asset limits, which may be different than other Medicaid programs they are currently enrolled in. Beyond economic factors, other deciding elements include functional status, age (in the Independent Care Waiver Program), citizenship, and Georgia residency status. Waiver recipients must qualify for the level of care given in a nursing facility or similar institutional setting. Listed below are the types of services covered in Georgia.
Independent Care Waiver Program (ICWP) in 2025
ICWP offers services to people with specific physical disabilities, including people with traumatic brain injuries. Generally, this program is for people who are between the ages of 21-64 and are severely disabled. The services include personal support, emergency response, home health, counseling, home modifications (fall proofing the home), and affordable access to medical equipment or supplies.
Community Care Services Program (CCSP) for 2025
The CCSP waiver exists to give home and community-based services to the elderly and/or impaired or disabled. The programs include case management, personal care, adult day care, alternative living, delivered meals, home health, emergency response service, and respite care.
Service Options Using Resources in a Community Environment (SOURCE) in 2025
SOURCE serves the elderly, disabled, and frail who are eligible for Supplemental Security Income/Medicaid. This program uses the patient’s primary care physician on the case management team. As well as offering monitoring and assistance with functional tasks, SOURCE also offers assisted living services, personal care, delivered meals, home health, emergency response, and around-the-clock medical access to a case manager and physician.
Money Follows the Person (MFP) for 2025
MFP began as a five-year grant aiming towards shifting people out of institutional care and back into their homes. It allows people who need an institutional level of care to receive that care in the comfort of their own homes. Eligible participants are those who have been inpatients in a long-term care facility for at least 90 consecutive days and are covered by Medicaid. Members must continue to need institutional levels of care after transitioning back into the community.
Eligibility in 2025:
- Applicants have a monthly income limit of $2,901 with a resource limit of $2,000. A couple, if both members need long-term care, can have a resource limit of $3,000. If one spouse does not need long-term care then the resource and income amounts go up considerably.
- Community Spouse Asset Allowance: The maximum value of assets a community spouse can retain for self-support without disqualifying the nursing home spouse from eligibility is $157,920.
- Community Spouse Monthly Needs Allowance: If the community spouse’s income does not equal at least $3,948 per month, he/she may keep some of the institutionalized spouse’s income to meet the limit.
- Home Exclusion: The principal residence is excluded up to an equity limit of $730,000, provided someone resides in the home or the applicant expresses intent to return to it.
Excluded Assets in 2025:
- Household items, personal property, one automobile, irrevocable burial funds up to $10,000, and life insurance policies with cash surrender of less than $10,000.
Further Reading:
- Georgia Department of Community Health: http://dch.georgia.gov/
- Long Term Care Ombudsman: 888-454-5826
- Department of Veterans Assistance: 1-800-829-4833