Maryland Medicaid

Medicaid planning in Maryland can be stressful and anxiety-inducing. There are innumerable guidelines to follow, and plodding through the application process is enough to make you throw up your hands in defeat.

It doesn't have to be this way!

At Senior Planning Services, we simplify the Medicaid eligibility, application, and approval process to alleviate much of your stress and anxiety. We offer more than just sound advice—we implement it.

Our comprehensive services are focused on helping families receive the Medicaid benefits they deserve. We streamline the entire process, starting with an initial consultation and assessment. Then, we assist with statements and paperwork, fill out applications on your behalf, and act as a liaison with the State of Maryland's Medicaid eligibility department. We'll be by your side until you receive your official approval.

Need help applying for Maryland Medicaid? We can help!

Contact Senior Planning Services today to learn more

Asset allowances document checklist

What is Medicaid?

Medicaid is a safety net. One of its primary purposes is to fund the costs of nursing facilities and assisted living facilities. The average cost of assisted living in Maryland is $10,190 per month, or $122,280 per year. If you qualify, Medicaid can help offset these costs, ensuring you receive a high level of care even if your savings can't pay for it all.

Who Is Eligible for Medicaid?

The Medicaid program is designed to help people pay for the often staggering costs of nursing homes and other long-term care options, but there's a caveat. You must adhere to numerous rules and regulations to receive benefits.

To qualify for Medicaid nursing homes in Maryland, you must:

Be a legal U.S. citizen or qualified alien
Be a resident of Maryland
Meet income and asset requirements
Be 65 years of age, blind or permanently disabled

Financial Requirements

income

A long-term care applicant's income may not exceed certain limits. As of 2024, these limits are $2,829 per month. If your income is higher than this, Senior Planning Services can help you set up a Qualified Income Trust (Miller Trust) so you can still qualify.

Assets

The applicant's monthly income is due to the facility monthly. Medicaid will supplement the remainder of the facility balance after the PPA/Income payment is posted to the account. There are a few allowable deductions that can be paid out of the applicant's income.
1. Secondary Insurance Premium
2. PNA allowance – the applicant can keep $98.00 monthly which can be used for personal expenses
Based on the circumstances of an individual case, a spouse may be able to keep a portion of the applicant's income.

Medical Eligibility

A pre-admission screening (PAS) is required to determine the applicant's medical eligibility. A physical evaluation from a Medicaid nurse will ascertain whether you need assistance with activities of daily living (ADL), such as showering, dressing, eating, and toileting.

Why Our Medicaid Specialists Are Different

In a word: expertise.
At Senior Planning Services, this is what we do all day, every day. Our Medicaid specialists have the resources, relationships, and know-how to help our clients maximize their benefits. We don't just guide individuals, couples, and families through the Medicaid process—we shoulder the burden to provide all the answers and alleviate all concerns during this particularly overwhelming junction of life.

Our Medicaid Planning Services

Offer a free Medicaid Consultation
Assist in obtaining 60 months of bank and financial statements from financial institutions back offices.
Assist in obtaining verifications from banks regarding checks, deposits, and cash withdrawals
Shoulder burden to provide all verification to satisfy all Medicaid's requests.
Assist families in utilizing excludable resources

Assist clients in the process of liquidating life insurance policies, annuities, and stocks etc.
Obtain missing documentation from the Vital Statistics office, if necessary
Update client on status on a consistent basis
Submit application to the county Board of Social Services
Interact with the Board of Social Services caseworker regularly

The experts at Senior Planning Services are just a phone consultation away.
Let us replace your stress and anxiety with direction and clarity.

Give us a call at 855.775.2664 or