Kootenai Creek Village

Article: How to get Medicare and Medicaid to Pay for Assisted Living

Description

Kootenai Creek Village is a senior living community nestled in the delightful town of Stevensville, Montana. The facility’s location is akin to a serene park, with well-maintained grounds that include a gated entrance, beautiful trees, and inviting sidewalks.
The community’s clubhouse is a great place for residents to connect and engage in social activities. For outdoor enthusiasts, Kootenai Creek Village is in close proximity to popular recreational destinations such as fishing spots, golf courses, ski resorts, and wildlife areas. This active adult community is sure to provide retirees with a fulfilling and unforgettable living experience.

Claim What’s Yours: Financial Aid for Montana Seniors

Program

State Program Name

Eligibility

Benefits

Big Sky Waiver

Montana Medicaid Big Sky Waiver

General: Age 65+ or disabled, Montana resident, Medicaid- eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $2,000 (individual), $3,000 (couple).
MT Specifics: Rural state; limited providers in some areas.

Services: Personal care (5-7 hours/day), respite (240 hours/year), home modifications ($1,500 avg.), meals ($6/meal).

Montana Community First Choice

MT CFC

General: Age 65+ or disabled, Montana resident, Medicaid- eligible.
Income Limits: ~$1,732/month (individual, Medicaid threshold).
Asset Limits: $2,000 (individual).
MT Specifics: Less intensive than waiver; rural focus.

Services: Personal care (up to 40 hours/month), homemaker services, respite (varies).

Big Sky Rx

Montana Big Sky Rx

General: Age 65+ or disabled, Montana resident, enrolled in Medicare Part D, income below limit.
Income Limits (2025): ~$2,510/month (individual), ~$3,380/month (couple).
Asset Limits: Not assessed.
MT Specifics: Covers up to $38.75/month premium; statewide via AAAs.

Services: Prescription drug premium assistance (~$465/year), reducing out-of-pocket costs.

Medicare Savings Program (MSP)

Montana Medicare Savings Program

General: Age 65+ or disabled, Montana resident, Medicare Part A/B.
Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits: $9,430 (individual), $14,130 (couple).
MT Specifics: Three tiers; no waitlist; includes Extra Help for Part D.

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

Montana Caregiver Support Program (via NFCSP)

Montana Caregiver Support Program

General: Caregivers of 60+ needing care or 55+ caregivers of others; Montana resident; functional needs (2+ ADLs).
Income Limits (2025): Prioritizes ~$24,980/year (individual); no strict cap.
Asset Limits: Not assessed; need-based.
MT Specifics: 10 AAAs; prioritizes low-income, rural caregivers.

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($50/day), training, supplies (~$500/year).

Senior Community Service Employment Program (SCSEP)

Montana SCSEP

General: Age 55+, unemployed, low-income, Montana resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified; income-focused.
MT Specifics: Priority for veterans, rural residents; AARP partnership.

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

VA Aid and Attendance (A&A) and Housebound Benefits

Montana VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, Montana resident, wartime service, need for ADL help (A&A) or homebound.
Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits: ~$155,356 (net worth limit).
MT Specifics: High veteran demand in rural areas.

Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).

Claim What’s Yours Financial Aid for Montana Seniors

Montana Medicaid Big Sky Waiver

Big Sky Waiver

Eligibility

General: Age 65+ or disabled, Montana resident, Medicaid- eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $2,000 (individual), $3,000 (couple).
MT Specifics: Rural state; limited providers in some areas.

Benefits

Services: Personal care (5-7 hours/day), respite (240 hours/year), home modifications ($1,500 avg.), meals ($6/meal).

MT CFC

Montana Community First Choice

Eligibility

General: Age 65+ or disabled, Montana resident, Medicaid- eligible.
Income Limits: ~$1,732/month (individual, Medicaid threshold).
Asset Limits: $2,000 (individual).
MT Specifics: Less intensive than waiver; rural focus.

Benefits

Services: Personal care (up to 40 hours/month), homemaker services, respite (varies).

Montana Big Sky Rx

Big Sky Rx

Eligibility

General: Age 65+ or disabled, Montana resident, enrolled in Medicare Part D, income below limit.
Income Limits (2025): ~$2,510/month (individual), ~$3,380/month (couple).
Asset Limits: Not assessed.
MT Specifics: Covers up to $38.75/month premium; statewide via AAAs.

Benefits

Services: Prescription drug premium assistance (~$465/year), reducing out-of-pocket costs.

Montana Medicare Savings Program

Medicare Savings Program (MSP)

Eligibility

General: Age 65+ or disabled, Montana resident, Medicare Part A/B.
Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits: $9,430 (individual), $14,130 (couple).
MT Specifics: Three tiers; no waitlist; includes Extra Help for Part D.

Benefits

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

Montana Caregiver Support Program

Montana Caregiver Support Program (via NFCSP)

Eligibility

General: Caregivers of 60+ needing care or 55+ caregivers of others; Montana resident; functional needs (2+ ADLs).
Income Limits (2025): Prioritizes ~$24,980/year (individual); no strict cap.
Asset Limits: Not assessed; need-based.
MT Specifics: 10 AAAs; prioritizes low-income, rural caregivers.

Benefits

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($50/day), training, supplies (~$500/year).

Montana SCSEP

Senior Community Service Employment Program (SCSEP)

Eligibility

General: Age 55+, unemployed, low-income, Montana resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified; income-focused.
MT Specifics: Priority for veterans, rural residents; AARP partnership.

Benefits

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

Montana VA Aid and Attendance/Housebound

VA Aid and Attendance (A&A) and Housebound Benefits

Eligibility

General: Age 65+ or disabled veteran/spouse, Montana resident, wartime service, need for ADL help (A&A) or homebound.
Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits: ~$155,356 (net worth limit).
MT Specifics: High veteran demand in rural areas.