Understanding the Requirements for Medicaid Long-Term Care Services in Indiana

November 27, 2023

Understanding the requirements to gain access to long-term care Medicaid services in Indiana can mean the difference between access to crucial care and facing overwhelming costs.

Eligibility Criteria

To be eligible for Medicaid long-term care in Indiana, you must meet specific criteria. The requirements revolve around income, assets, and medical necessity. Let's take a closer look at each of these aspects:

  • Income Requirements: Indiana has established income limits for Medicaid eligibility. The income thresholds may vary depending on the Medicaid program you are applying for.
  • Asset Limits: Medicaid assesses an individual's countable assets, including cash, bank accounts, property, and other valuable resources. There are limitations to the amount of assets you or your household can possess to qualify for Medicaid. However, assets, such as a primary residence and personal belongings, might not be calculated.
  • Medical Necessity: A healthcare professional must evaluate and certify your need for healthcare services based on your physical and cognitive condition, which must meet the required level of care.

Long-Term Care Options

Indiana provides a range of long-term care services through its Medicaid program. Each option is tailored to meet the diverse needs of the beneficiaries. Some of the most popular options include:

  • Nursing Facility Services: Medicaid helps pay for care in nursing homes for people who need medical attention and assistance with daily tasks.
  • Home and Community-Based Services Waivers: HCBS waivers are programs that allow eligible individuals to receive care and support services in their own homes or within their communities instead of being placed in a nursing facility.

How to Apply for Medicaid

While navigating the Medicaid application process for long-term care services can be complex, understanding the steps can significantly ease the journey.

  • Compile essential documents: Gather the necessary documents that provide evidence of your identity, citizenship, income, assets, medical history, and healthcare assessments.
  • Submit Your Application: You can apply for Medicaid long-term care services online via the Indiana Family and Social Services Administration (FSSA) website or in person at a local Division of Family Resources (DFR) office.
  • Attend Assessments: You might be required to undergo medical assessments to determine your eligibility and the necessary level of care, depending on the program you're applying for.
  • Wait for Approval: Medicaid will take time to review documents, conduct assessments, and determine the level of care needed. Waiting for approval allows the Medicaid agency to assess your situation thoroughly and make an informed decision regarding your eligibility for the program and the specific services you may receive.

Get in Touch with Applegate & Dillman Elder Law Today for Help

Whether you or a loved one requires nursing facility services or wants to remain in the comfort of their home through HCBS waivers, knowing the prerequisites is important.

At Applegate & Dillman Elder Law, we will provide experienced advice, helping you to make informed decisions regarding Medicaid long-term care services. Contact us today to discover how we can assist you.

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