Nursing home Medicaid is a program funded by the Federal government and administered by the Georgia Department of Community Health that provides coverage for nursing home stays for those who have a medical need for such nursing home care. Aside from showing a medical need for nursing home care, applicants for nursing home Medicaid must also meet asset and income requirements. More information on the financial requirements for nursing home Medicaid can be found on the Medicaid planning section of this website. For married couples with one spouse needing Medicaid, there are specific rules that allow that one spouse to qualify for Medicaid even if the couple together has significant assets.
The financial rules around qualifying for Medicaid are complex and often lead to unusual results. For example, when considering qualification for Medicaid, the assets of a married couple are combined, but only the monthly income of the spouse applying for Medicaid. Another peculiar twist in the rules is that the assets owned by the Medicaid applicant’s spouse count against Medicaid qualification in the first month of Medicaid eligibility but do not count in subsequent months. The combination of these two rules allows a couple with assets over the Medicaid asset limit to qualify one spouse to receive nursing home Medicaid.
As the rules for qualifying for nursing home Medicaid are complex, the services of an experienced elder law attorney should be used in applying this strategy or other Medicaid strategies. There are many tools that can be used to qualify someone for Medicaid, and an elder law attorney is best suited in determining the appropriate planning.