Pennsylvania Medicaid Long Term Care Eligibility for 2025
Pennsylvania Long Term Care
Programs for 2025:

People aged 60 and above may qualify for Pennsylvania’s Aging Waiver. This program covers home-delivered meals, personal assistance, home modifications, transportation, and emergency response systems.
For those with disabilities but under age 60, there is the Pennsylvania Attendant Care Waiver. Based on income, applicants may need to contribute towards service costs. Benefits include personal support, home health services, medical equipment, and emergency response systems to support independent living.
Pennsylvania also offers additional Home and Community-Based Waiver Services (HCBS) described here.
Eligibility for 2025:
1. Residency and Citizenship – Applicants must be Pennsylvania residents and U.S. citizens or have proper immigration status.
2. Age/Disability – Applicants must be 60 or older, blind, or disabled. Medical requirements must align with the level of care requested, with a need for at least 30 consecutive days of care.
- Pre-Admission Screening and Resident Review (PASRR) is required before nursing home admission to determine whether applicants meet the necessary care level.
3. Income Limitations – Single applicants must have a monthly income under $2,901. Non-countable income includes a $60 monthly personal needs allowance.
4. Asset Limitations – Countable assets must be under $2,000, with an additional $6,000 disregard for applicants earning under $2,901/month. Asset transfers within a 5-year look-back period below market value may result in penalties.
Exempt Assets in 2025:

- One home, equity limit $730,000 if planning to return, or if a spouse, child under 21, or disabled person resides there.
- One automobile, regardless of equity value.
- Irrevocable burial trust.
- Non-saleable property, household furnishings, and personal effects.
- Life insurance policies without cash surrender value.
- Non-resident property essential to self-support, if monthly revenue is below income limits.
Spousal Rules for 2025:
The community spouse may retain up to $157,920 in countable assets, with a minimum of $31,584. If monthly income falls below $2,555, the community spouse may receive income transfers from the applicant spouse to meet this threshold, up to a maximum of $3,948 depending on housing and utility costs.
Pennsylvania Long-Term Care Insurance Partnership:
Partnership policies protect assets by matching dollar-for-dollar coverage paid into the policy. For instance, a $150,000 policy protects $150,000 in assets. Each spouse must purchase their own policy for separate asset protection.
Further Reading:
- Financial Application for Medicaid: Application Form
- Online Application Site: COMPASS
- General Medicaid Information: PA DHS Long-Term Care