Alaska Medicaid Long Term Care Eligibility
Alaska Medicaid Long Term Care ProgramsAlaska is an income cap state, meaning that in order to be eligible for Medicaid long term care benefits there is a hard income limit. Non income cap states allow applicants to spend down money for their care, whereas income cap states require the amount to be no higher than their limit at time of application.
Types of care:Home and Community Based Waivers (HCBW): People of any age who experience long term medical conditions that require a level of care offered in a nursing home, or those with Intellectual and Developmental Disabilities (IDD) who meet an Intermediate Care Facility (ICF) level of care may be able to receive services in their home and community through one of four unique HCBW programs. These programs are all administrated through the Division of Senior and Disabilities Services (DSDS) and are provided in addition to all other regular Medicaid services. Request Information
- Delivered meals: Up to two meals per day delivered to a recipient’s home.
- Congregate meals: Meals provided to adults in a community setting.
- Respite: Services provided in hourly or daily increments that give the primary caregiver a break.
- Chore: Provides light housekeeping tasks in a recipient’s home
- Transportation: Access to a recipient’s community is provided through a variety of conveyances that include wheelchair-accessible travel.
- Equipment used to assist recipients with activities of daily living. Some of the devices available include: reacher; shoe/sock donner; hand held shower; Emergency response system (medical alert); adaptive eating devices; wheelchair lift installation for van; portable ramps; humidifier.
Eligibility:1. Residency and Citizenship – the applicant must be a resident of Alaska and be a U.S. citizen or have proper immigration status. 2. Age/Disability – the applicant must be age 65 or older, or blind, or disabled. The applicant must meet certain medical requirements consistent with the level of care requested. 3. Income Limitations – the applicant’s income (wages, Social Security benefits, pensions, veteran’s benefits, annuities, SSI payments, IRAs, etc.) must be less than $2,250 per month. Persons with income in excess of $2,250 can still qualify for Medicaid coverage if excess income is placed into a Qualifying Income Trust (QIT). The trust must be irrevocable and Alaska Medicaid must be the designated recipient when the beneficiary dies. Only income in excess of $2,250 must be placed in the trust.
- There is a personal needs allowance of $200.00 per month that is not factored into the countable income.
Exempt Assets for an applicant in Alaska include:i. $2,000 or less in cash/non-exempt assets if single. ii. Personal effects and household goods iii. One home (equity value limited to $572,000) is exempt if expecting to return, a spouse, a child under 21, or a disabled person resides in it. The house can be transferred with no penalty to the spouse; a natural, adopted, or step child who is under 21, blind or disabled; a sibling who has equity interest in the home and lived with the institutionalized individual one year prior to institutionalization; another adult, who lived with the resident and provided care for at least two years thereby delaying institutionalization. iv. One motor vehicle if the vehicle is used for the long term care recipient’s medical treatment, employment, modified to accommodate a disability, or the primary vehicle of the community spouse—no matter the value. v. Burial spaces and irrevocable pre-paid burial trusts, no amount specified.
Spousal Rules:Amount of assets community spouse may retain: The community spouse can keep one-half of all non-exempt resources owned by one or both spouses with a maximum of $123,600.
Community spouse impoverishment protection: The community spouse can keep part of the institutionalized spouse’s income if the community spouse has an income of less than $2,536.25 per month. If the community spouse can document high shelter expenses (rent, utilities, phone, etc.) then the income limit may be raised to a maximum of $3,090.00. Request Information