Sholom Home West

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

Description

Sholom Home West, situated in the heart of Minnesota, emerges as a sanctuary dedicated to providing seniors with comfort, care, and a vibrant sense of community. Rooted in a rich legacy of compassion, this 179-bed senior care community offers various services, from short-term rehabilitation to long-term care. Meticulously tailored by an interdisciplinary team of professionals, individualized care plans address the distinctive needs of each resident, whether recovering from an accident, surgery, illness or simply seeking a supportive environment. Sholom Home West, where compassion seamlessly intertwines with community, welcomes seniors to thrive within its nurturing environment.
Sholom Home West goes beyond the ordinary, providing on-site medical services, including X-ray, lab services, podiatry, optometry, orthotics, audiology, and dental care to enhance overall well-being. The community prioritizes a holistic approach, incorporating therapy clinics for physical, occupational, and speech therapies, along with recreational, music, and pet therapies that significantly enrich the lives of residents. Amidst its walls, Sholom Home West creates an atmosphere of solace and companionship. Essential services such as daily housekeeping, linen, and personal laundry ensure a standard of comfort and cleanliness. Community rooms serve as inviting spaces for resident and family gatherings. Kosher meals and snacks are savored, complemented by the safety net of 24/7 admissions, registered nurses, and dedicated care specialists offering round-the-clock support. Lastly, the outdoor courtyard stands as a tranquil oasis for reflection, while the chapel, library, gift shop, and onsite beauty/barbershop nurture the mind, body, and spirit.

Claim What’s Yours: Financial Aid for Minnesota Seniors

Program

State Program Name

Eligibility

Benefits

Elderly Waiver

Minnesota Medicaid EW

General: Age 65+, Minnesota resident, Medicaid-eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $3,000 (individual, higher than most states).
MN Specifics: Higher asset limit; rural access focus.

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$70/day), home aides.

Essential Community Supports (ECS)

Minnesota ECS

General: Age 65+, Minnesota resident, at risk of decline but not nursing home level.
Income Limits: ~$1,732/month (individual, varies).
Asset Limits: $3,000 (individual).
MN Specifics: Bridges gap for those ineligible for waivers.

Services: In-home support (2-4 hours/week), respite (up to 5 days/year), transportation (~5 trips/month).

Alternative Care (AC) Program

Minnesota Alternative Care Program

General: Age 65+, Minnesota resident, NFLOC, not MA-eligible.
Income Limits (2025): ~$1,255-$2,829/month (100%-300% FPL); sliding scale copays.
Asset Limits: $3,000 (individual); home equity limit $713,000.
MN Specifics: CDCS option; statewide via counties.

Services: Personal care (4-6 hours/day), respite (~5 days/year), home health, meals, home mods.

Minnesota Senior Health Options (MSHO)

Minnesota Senior Health Options

General: Age 65+, Minnesota resident, eligible for MA and Medicare Parts A/B.
Income Limits (2025): ~$1,255/month (100% FPL for MA); spenddown allowed.
Asset Limits: $3,000 (individual), $6,000 (couple).
MN Specifics: 7 health plans (e.g., UCare, HealthPartners); care coordinator assigned.

Services: Personal care (5-7 hours/day), medical care, respite, adult day care, home mods, $900/year groceries (some plans).

Minnesota Senior Care Plus (MSC+)

Minnesota Senior Care Plus

General: Age 65+, Minnesota resident, MA-eligible, not on Medicare.
Income Limits (2025): ~$1,255/month (100% FPL); spenddown allowed.
Asset Limits: $3,000 (individual), $6,000 (couple).
MN Specifics: Includes EW services; 7 health plans available.

Services: Personal care (5-7 hours/day), respite, adult day care, home mods, limited nursing home care.

Consumer Support Grant (CSG)

Minnesota Consumer Support Grant

General: Age 65+ or disabled, Minnesota resident, eligible for MA personal care but opts for grant.
Income Limits (2025): ~$1,255/month (MA-eligible); spenddown allowed.
Asset Limits: $3,000 (individual).
MN Specifics: Can hire family; statewide via counties.

Services: Cash (~$500-$1,500/month) for personal care, respite, home mods, assistive tech.

Medicare Savings Program (MSP)

Minnesota Medicare Savings Program

General: Age 65+ or disabled, Minnesota 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).
MN Specifics: Three tiers; no waitlist; includes Extra Help for Part D.

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

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

Minnesota VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, Minnesota 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).
MN Specifics: High veteran demand in rural/urban 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 Minnesota Seniors

Minnesota Medicaid EW

Elderly Waiver

Eligibility

General: Age 65+, Minnesota resident, Medicaid-eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $3,000 (individual, higher than most states).
MN Specifics: Higher asset limit; rural access focus.

Benefits

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$70/day), home aides.

Minnesota ECS

Essential Community Supports (ECS)

Eligibility

General: Age 65+, Minnesota resident, at risk of decline but not nursing home level.
Income Limits: ~$1,732/month (individual, varies).
Asset Limits: $3,000 (individual).
MN Specifics: Bridges gap for those ineligible for waivers.

Benefits

Services: In-home support (2-4 hours/week), respite (up to 5 days/year), transportation (~5 trips/month).

Minnesota Alternative Care Program

Alternative Care (AC) Program

Eligibility

General: Age 65+, Minnesota resident, NFLOC, not MA-eligible.
Income Limits (2025): ~$1,255-$2,829/month (100%-300% FPL); sliding scale copays.
Asset Limits: $3,000 (individual); home equity limit $713,000.
MN Specifics: CDCS option; statewide via counties.

Benefits

Services: Personal care (4-6 hours/day), respite (~5 days/year), home health, meals, home mods.

Minnesota Senior Health Options

Minnesota Senior Health Options (MSHO)

Eligibility

General: Age 65+, Minnesota resident, eligible for MA and Medicare Parts A/B.
Income Limits (2025): ~$1,255/month (100% FPL for MA); spenddown allowed.
Asset Limits: $3,000 (individual), $6,000 (couple).
MN Specifics: 7 health plans (e.g., UCare, HealthPartners); care coordinator assigned.

Benefits

Services: Personal care (5-7 hours/day), medical care, respite, adult day care, home mods, $900/year groceries (some plans).

Minnesota Senior Care Plus

Minnesota Senior Care Plus (MSC+)

Eligibility

General: Age 65+, Minnesota resident, MA-eligible, not on Medicare.
Income Limits (2025): ~$1,255/month (100% FPL); spenddown allowed.
Asset Limits: $3,000 (individual), $6,000 (couple).
MN Specifics: Includes EW services; 7 health plans available.

Benefits

Services: Personal care (5-7 hours/day), respite, adult day care, home mods, limited nursing home care.

Minnesota Consumer Support Grant

Consumer Support Grant (CSG)

Eligibility

General: Age 65+ or disabled, Minnesota resident, eligible for MA personal care but opts for grant.
Income Limits (2025): ~$1,255/month (MA-eligible); spenddown allowed.
Asset Limits: $3,000 (individual).
MN Specifics: Can hire family; statewide via counties.

Benefits

Services: Cash (~$500-$1,500/month) for personal care, respite, home mods, assistive tech.

Minnesota Medicare Savings Program

Medicare Savings Program (MSP)

Eligibility

General: Age 65+ or disabled, Minnesota 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).
MN 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%).

Minnesota VA Aid and Attendance/Housebound

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

Eligibility

General: Age 65+ or disabled veteran/spouse, Minnesota 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).
MN Specifics: High veteran demand in rural/urban areas.