BridgingLife Hospice Care

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

1.5 miles from city center

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Amenities

Transportation Services

Type of Care Available

Hospice Care

Claim What’s Yours: Financial Aid for Maryland Seniors

Program

State Program Name

Eligibility

Benefits

Community Options Waiver

Maryland Medicaid Community Options Waiver

General: Age 65+ or disabled, Maryland 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) (excludes home, car).
MD Specifics: High urban demand; rural outreach efforts.

Services: Personal care (5-7 hours/day, e.g., bathing, dressing), respite care (up to 240 hours/year), adult day care ($70/day), home modifications ($1,500 avg.).

Senior Care Program

Maryland Senior Care

General: Age 65+, Maryland resident, at risk of nursing home placement.
Income Limits: ~$2,000/month (individual, varies by county).
Asset Limits: $11,000 (individual).
MD Specifics: Limited funding; waitlists common in high-demand areas.

Services: In-home care (3-5 hours/week), respite care (up to 10 days/year), meals (~$6/meal), transportation (~5 trips/month), case management.

Maryland Nursing Home Medicaid

Maryland Medical Assistance (Medicaid) Nursing Home Program

General: Age 65+, Maryland resident, Medicaid-eligible, requires nursing home-level care.
Income Limits (2025): $943/month (individual); most income applied to care costs.
Asset Limits: $2,500 (individual), $3,000 (couple); spousal protections up to $155,356.
MD Specifics: Home equity limit $636,000; estate recovery applies post-55.

Services: 24/7 nursing care, meals, therapy, medications (unlimited per medical need).

Senior Assisted Living Subsidy Program

Maryland Senior Assisted Living Group Home Subsidy

General: Age 62+, Maryland resident, in or moving to approved assisted living, low/moderate income.
Income Limits (2025): ~$34,000/year (individual, varies by county).
Asset Limits: Not strict; prioritizes low-income.
MD Specifics: Not available statewide; facility must be licensed by MDH.

Services: Personal care, meals, 24-hour supervision (up to $1,500/month subsidy typical).

Veterans Aid and Attendance (A&A) Benefit

Maryland VA Aid and Attendance

General: Wartime veteran/spouse, age 65+ or disabled, needs ADL help, Maryland resident.
Income Limits (2025): Net income minus medical expenses < $1,984/month (individual with A&A).
Asset Limits: $155,356 (net worth limit).
MD Specifics: High veteran population in suburban/rural areas.

Services: Cash benefit ($1,478-$2,471/month, varies by status) for care costs.

Senior Prescription Drug Assistance Program (SPDAP)

Maryland Senior Prescription Drug Assistance Program

General: Age 65+, Maryland resident (6+ months), Medicare Part D enrolled.
Income Limits (2025): $48,560/year (individual, 300% FPL).
Asset Limits: None specified.
MD Specifics: Supplements Medicare Part D; annual enrollment required.

Services: Up to $40/month premium subsidy, reducing drug costs.

Medicare Savings Programs (MSP)

Maryland Medicare Savings Programs

General: Age 65+, Maryland resident, Medicare Part A/B enrollee.
Income Limits (2025): $2,014/month (QMB), $2,706/month (SLMB/QI, individual).
Asset Limits: $9,090 (individual), $13,630 (couple).
MD Specifics: Includes QMB, SLMB, QI categories.

Services: Covers premiums (up to $174.70/month Part B), co-pays, deductibles.

Community Personal Assistance Services (CPAS)

Maryland Medicaid Community Personal Assistance Services

General: Age 65+, Maryland resident, Medicaid-eligible, needs ADL assistance.
Income Limits (2025): $943/month (individual); spend-down available.
Asset Limits: $2,500 (individual), $3,000 (couple).
MD Specifics: Consumer-directed option allows hiring family caregivers.

Services: Personal care (hours vary, typically 20-30/week), chores, nurse supervision.

Claim What’s Yours Financial Aid for Maryland Seniors

Maryland Medicaid Community Options Waiver

Community Options Waiver

Eligibility

General: Age 65+ or disabled, Maryland 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) (excludes home, car).
MD Specifics: High urban demand; rural outreach efforts.

Benefits

Services: Personal care (5-7 hours/day, e.g., bathing, dressing), respite care (up to 240 hours/year), adult day care ($70/day), home modifications ($1,500 avg.).

Maryland Senior Care

Senior Care Program

Eligibility

General: Age 65+, Maryland resident, at risk of nursing home placement.
Income Limits: ~$2,000/month (individual, varies by county).
Asset Limits: $11,000 (individual).
MD Specifics: Limited funding; waitlists common in high-demand areas.

Benefits

Services: In-home care (3-5 hours/week), respite care (up to 10 days/year), meals (~$6/meal), transportation (~5 trips/month), case management.

Maryland Medical Assistance (Medicaid) Nursing Home Program

Maryland Nursing Home Medicaid

Eligibility

General: Age 65+, Maryland resident, Medicaid-eligible, requires nursing home-level care.
Income Limits (2025): $943/month (individual); most income applied to care costs.
Asset Limits: $2,500 (individual), $3,000 (couple); spousal protections up to $155,356.
MD Specifics: Home equity limit $636,000; estate recovery applies post-55.

Benefits

Services: 24/7 nursing care, meals, therapy, medications (unlimited per medical need).

Maryland Senior Assisted Living Group Home Subsidy

Senior Assisted Living Subsidy Program

Eligibility

General: Age 62+, Maryland resident, in or moving to approved assisted living, low/moderate income.
Income Limits (2025): ~$34,000/year (individual, varies by county).
Asset Limits: Not strict; prioritizes low-income.
MD Specifics: Not available statewide; facility must be licensed by MDH.

Benefits

Services: Personal care, meals, 24-hour supervision (up to $1,500/month subsidy typical).

Maryland VA Aid and Attendance

Veterans Aid and Attendance (A&A) Benefit

Eligibility

General: Wartime veteran/spouse, age 65+ or disabled, needs ADL help, Maryland resident.
Income Limits (2025): Net income minus medical expenses < $1,984/month (individual with A&A).
Asset Limits: $155,356 (net worth limit).
MD Specifics: High veteran population in suburban/rural areas.