ALTCS Financial Eligibility Arizona Medicaid 2025
ALTCS Financial Eligibility Standards (2023–2025)
ALTCS (the Arizona Long Term Care System) is Arizona’s Medicaid program for people who need long-term care in a nursing home, assisted living facility, or at home. ALTCS helps pay for care when someone meets both medical and financial eligibility rules.
The figures below come from the State of Arizona’s Eligibility Standards Desk Aid and show key income and resource limits that affect ALTCS planning for 2023, 2024, and 2025. These numbers are especially important for applicants, community spouses, and families planning ahead for long-term care costs.
Please remember that this information is provided for general educational purposes only. ALTCS rules are complex and change over time. Before making any decisions, you should speak with a professional who works with ALTCS eligibility on a regular basis.
Last updated for 2025 standards.
Federal Benefit Rates (FBR)
The Federal Benefit Rate is the base SSI amount used to calculate several ALTCS income standards. ALTCS often uses 300% of the individual FBR as the maximum gross income for institutional and HCBS applicants.
| Standard | 2023 (1/1/23–12/31/23) | 2024 (1/1/24–12/31/24) | 2025 (1/1/25–12/31/25) |
|---|---|---|---|
| Individual FBR / Single parent allocation | $914.00 | $943.00 | $967.00 |
| Couple FBR / Two-parent allocation | $1,371.00 | $1,415.00 | $1,450.00 |
| Institutional FBR | $30.00 | $30.00 | $30.00 |
| 300% of Individual FBR | $2,742.00 | $2,829.00 | $2,901.00 |
| Child allocation | $457.00 | $472.00 | $483.00 |
| 15% of Individual FBR | $137.10 | $141.45 | $145.05 |
Medicare Premiums & Extra Help Benchmarks
Medicare Part B Premiums
| Year | Monthly Premium |
|---|---|
| 2023 | $164.90 |
| 2024 | $174.70 |
| 2025 | $185.00 |
Medicare Part D Extra Help Subsidy (Arizona)
| Year | Monthly Benchmark Amount |
|---|---|
| 2023 | $42.60 |
| 2024 | $43.18 |
| 2025 | $30.10 |
Community Spouse Standards
When one spouse needs long-term care but the other remains at home (the “community spouse”), special rules protect a portion of the couple’s resources and income. These figures are critical for ALTCS planning in married cases.
| Standard | 2023 (1/1/23–12/31/23) | 2024 (1/1/24–12/31/24) | 2025 (1/1/25–12/31/25) |
|---|---|---|---|
| Minimum Community Spouse Resource Deduction (CSRD) | $29,724.00 | $30,828.00 | $31,584.00 |
| Maximum CSRD | $148,620.00 | $154,140.00 | $157,920.00 |
| Maximum Minimum Monthly Maintenance Needs Allowance (MMMNA) | $3,715.50 | $3,853.50 | $3,948.00 |
Standard Utility Allowance
| Effective Date | Amount |
|---|---|
| 10/1/2023 | $318.00 |
| 10/1/2024 | $314.00 |
| 10/1/2025 | $329.00 |
Monthly Spousal Need & Related Allowances
| Standard | 2023–2024 (7/1/23–6/30/24) | 2024–2025 (7/1/24–6/30/25) | 2025–2026 (7/1/25–6/30/26) |
|---|---|---|---|
| Monthly Spousal Need (MSN) | $2,465.00 | $2,555.00 | $2,644.00 |
| 30% of MSN (Excess Shelter Allowance threshold) | $740.00 | $767.00 | $793.00 |
| Maximum Family Allowance for a Dependent with No Income | $822.00 | $852.00 | $881.00 |
Average Private Pay Rates & Home Maintenance
Average Private Pay Nursing Facility Rates
| Location | 1/1/2024 | 10/1/2024 | 10/1/2025 |
|---|---|---|---|
| Maricopa, Pima, Pinal | $7,867.16 | $8,201.34 | $8,666.72 |
| Balance of State | $7,319.03 | $7,752.73 | $8,132.22 |
Home Maintenance Allowance
| Effective Dates | Monthly Amount |
|---|---|
| 1/1/1989–6/30/1993 | $138.00 |
| 7/1/1993–Present | $210.00 |
SSI-MAO, QMB & SLMB Income Standards
These income standards are based on the Federal Poverty Level (FPL) and apply to certain Medicare Savings Programs and SSI-related Medicaid categories. Actual income limits may be slightly higher because of the standard $20 disregard and other deductions for earned income and children.
SSI-MAO Non-Cash & QMB (100% FPL)
| Household Size | 2023 Eff. 2/1/23 | 2024 Eff. 2/1/24 | 2025 Eff. 2/1/25 |
|---|---|---|---|
| 1 | $1,215.00 | $1,255.00 | $1,305.00 |
| 2 | $1,644.00 | $1,704.00 | $1,763.00 |
SLMB (100%–120% FPL)
| Household Size | 2023 Eff. 2/1/23 | 2024 Eff. 2/1/24 | 2025 Eff. 2/1/25 |
|---|---|---|---|
| 1 | $1,215.01 – $1,458.00 | $1,255.01 – $1,506.00 | $1,305.01 – $1,565.00 |
| 2 | $1,644.01 – $1,972.00 | $1,704.01 – $2,044.00 | $1,763.01 – $2,115.00 |
Qualified Individual (QI-1) Standards
The QI-1 program helps certain Medicare beneficiaries with limited income by paying their Part B premium. QI-1 has income limits between 120% and 135% of FPL.
| Household Size | 2023 Eff. 2/1/23 | 2024 Eff. 2/1/24 | 2025 Eff. 2/1/25 |
|---|---|---|---|
| 1 | $1,458.01 – $1,641.00 | $1,506.01 – $1,695.00 | $1,565.01 – $1,761.00 |
| 2 | $1,972.01 – $2,219.00 | $2,044.01 – $2,300.00 | $2,115.01 – $2,380.00 |
Important: ALTCS eligibility is fact-specific. Even if your income or resources appear to be above these limits, planning options may still be available. For a free consultation about ALTCS eligibility and long-term care planning, contact Senior Planning.
