Indiana Medicaid Long Term Care Eligibility in 2025

Indiana Long Term Care

Indiana Medicaid provides comprehensive long-term care services for seniors and individuals with disabilities who meet the state’s eligibility requirements. These services are offered through a variety of programs, including Nursing Home Medicaid, HCBS Medicaid Waivers, and Regular Medicaid (Aged, Blind, and Disabled Medicaid). Each program has distinct eligibility requirements and benefits, aimed at helping individuals receive care in the most appropriate setting.

Eligibility in 2025

indiana-medicaid

1. **Residency and Citizenship** – Applicants must be Indiana residents and U.S. citizens or have proper immigration status.

2. **Age/Disability** – Applicants must be aged 65 or older, blind, or disabled. They must meet the medical requirements for the level of care they are requesting, such as a Nursing Home Level of Care (NHLOC).

3. **Income Limitations** – Applicants’ income must not exceed $2,901/month for Nursing Home Medicaid or HCBS Waivers. For Regular Medicaid, income limits are $235/month (single) and $291/month (couple). Excess income can be managed through a Qualified Income Trust (QIT).

4. **Asset Limitations** – Applicants’ countable assets must not exceed $2,000 (single) or $3,000 (couple). Non-countable assets include a primary residence (up to $1,071,000 in equity), one automobile, and certain personal items.

Exempt Assets in 2025 for an Applicant in Indiana Include:

i. $2,500 or less in cash/non-exempt assets if single.

ii. Personal effects and household goods.

iii. One primary home (equity limit $1,071,000) if the applicant or spouse resides there, or if the applicant has Intent to Return.

iv. One motor vehicle valued at $6,000 or less. Vehicles used for medical treatment or modified for disability are exempt regardless of value.

v. Burial spaces and irrevocable pre-paid burial trusts for specific funeral services.

vi. Life insurance with a face value under $10,000 if the beneficiary is the estate or funeral home.

indiana-long-term-care

vii. Series E/EE Savings Bond interest and I Bonds interest.

Spousal Rules for 2025:

**Community Spouse Resource Allowance (CSRA):** The non-applicant spouse may retain up to $157,920 in assets. If the non-applicant’s assets are below $31,584, additional resources may be allocated from the applicant spouse.

**Minimum Monthly Maintenance Needs Allowance (MMMNA):** The non-applicant spouse may receive income transfers from the applicant spouse to reach $2,555/month. In cases of high shelter costs, the allowance may increase to $3,948/month.

  • The institutionalized spouse must contribute all income above $60/month to their care costs.

Indiana Long Term Care Insurance Partnership in 2025:

This program allows policyholders to protect assets matching the value of their long-term care policy payouts. For example, a policy with a $155,000 benefit protects $155,000 in assets. Separate policies are required for spouses. Once benefits are exhausted, Medicaid asset rules apply.

Additional Medicaid Programs in Indiana

Indiana also offers HCBS Medicaid Waivers and the Community Integration and Habilitation Waiver, which provide home-based services like personal care, meal delivery, and respite care to delay nursing home placement.

How to Apply for Indiana Medicaid

Applications can be submitted online at Indiana Medicaid Portal, by calling 1-800-403-0864, or in person at a local Division of Family Resources office. For more detailed guidance, consult the Indiana Long Term Care Partnership.