Florida Medicaid Programs

The State of Florida offers Medicaid benefits to the Elderly. They are not programs just for the poor or indigent, but for ALL taxpayers that understand the qualification rules. The two programs are: 

          Medicaid Diversion Program

          This state program will provide Medicaid benefits to the elderly at home or pay for part
          of the Assisted Living facility monthly costs.

          Florida Medicaid Institutionalized Program (ICP)

          This state program, commonly referred to as The Nursing Home Medicaid Program,
          provides coverage for most of the costs of nursing home care for qualified individuals.
          The applicant must meet certain medical and financial criteria. The financial requirements
          are based on the "income cap" and "asset test" and are different for single people and
          for married people.

Click here to review the current Medicaid limits.

Qualifying for Medicaid will result in saving thousands of dollars yearly for the individual and/or the family, if done properly.  Let us simplify the Medicaid Application process and eliminate delays or disqualification!

Contact us for a FREE consultation and specific information about qualifying for any of the
      Florida Medicaid programs.

Medicaid Qualifying Guidelines

If your loved one needs nursing home care but can’t afford to pay over $6,000 a month, he or she must apply for Nursing Home Medicaid.

To qualify for Florida Medicaid all applicants must meet the following criteria:

1. Be a Florida resident and U.S. citizen or a qualified alien.
2. Be 65 years of age or blind or disabled.
3. Meet the Medical requirements as determined by the Department of Elder Affairs.
4. The applicant must reside within 30 days in a Medicaid certified facility.
5. The applicant must meet the Income and Asset limits.

Florida has an "Income Cap" guideline. If the applicant’s monthly GROSS income exceeds $1809.00, then the applicant will require the creation and funding of a Qualified Income Trust account for the month of eligibility. Without this Trust in place, the applicant will never qualify for Medicaid.

The community spouse’s income is excluded and can be unlimited. This creates an excellent avenue for Medicaid planning. Furthermore,  if the community spouse makes under a certain limit, he or she may qualify for income diversion from the applicant.

The applicant cannot have more than $2000 in his/her name in the month of eligibility. He or she is allowed to keep the“homestead” property, one vehicle, and all qualified income producing assets.

If there is a spouse remaining in the community, he or she is allowed up to $99,540 in his or her name, the home, one vehicle and an unlimited amount of “exempt” assets. 

Florida 2006 Medicaid Asset and Income Caps

* If the income for an individual is $719 a month or less, the asset limit is to $5000.