West Virginia Medicaid Long Term Care Eligibility in 2025

West Virginia Long Term Care

Eligibility in 2025:

west-virginia-medicaid

1. Residency and Citizenship – The applicant must be a resident of West Virginia and a U.S. citizen or have proper immigration status.

2. Age/Disability – The applicant must be 65 or older, blind, or disabled. Medical requirements must align with the level of care requested.

3. Income Limitations – Single applicants must have a monthly income under $2,901. Countable income includes wages, Social Security, pensions, veteran’s benefits, annuities, and more.

  • A personal needs allowance of $50/month is excluded from income calculations.

4. Asset Limitations – Countable assets must be under $2,000 for single applicants. Exempt assets include personal belongings, one home, and certain burial arrangements. A 60-month “look-back” period ensures no assets were transferred below market value to qualify for Medicaid.

Exempt Assets in 2025 for an applicant in West Virginia include:
  • Cash and countable assets under $2,000.
  • One home with an equity limit of $730,000 if the applicant or spouse resides there or if there is an intent to return.
  • One automobile, regardless of equity value.
  • Burial arrangements up to $1,500 and burial space items like caskets and markers.
  • Personal belongings, household items, and non-saleable property.
  • Life insurance policies with a face value under $1,500.
Spousal Rules in 2025:

Community Spouse Resource Allowance (CSRA): The non-applicant spouse can retain up to $157,920 in countable assets. If their share is under $31,584, additional assets from the applicant spouse may be transferred to meet this minimum.

Minimum Monthly Maintenance Needs Allowance (MMMNA): The non-applicant spouse can retain income from the applicant to meet the minimum of $2,555/month, up to a maximum of $3,948/month if housing costs exceed the standard shelter amount of $766.50/month.

West Virginia Long-Term Care Insurance Partnership:

Partnership policies match dollar-for-dollar asset protection. For example, a policy with a $150,000 payout allows $150,000 in assets to be exempt when determining Medicaid eligibility. Both spouses must have individual policies.

Further Reading: