The 4 Idaho Medicaid Eligibility Requirements
This guide will explain the Idaho Medicaid eligibility requirements for the aged, blind, and disabled. Generally speaking, the Idaho Department of Health & Welfare will determine eligibility based on the applicant's: (1) health; (2) income; (3) resources; and (4) gifts made during past five years.
Assistance Requirement (Health)An applicant must require assistance with certain daily activities, including meal preparation, personal hygiene, and mobility. The Idaho Department of Health & Welfare determines whether an applicant requires long-term care based on a formula in its handbook. Generally, most applicants do not encounter difficulty meeting the medical assistance eligibility requirement for Idaho Medicaid.
Income RequirementA single individual will not qualify for Idaho Medicaid if his/her monthly income exceeds $2,199 per month. The amount is different, and can be more complex, for married couples. An experienced Idaho Medicaid attorney can be a valuable resource for both married couples and single individuals with income in excess of $2,199 per month.
Most people receiving monthly payments from social security and 1-2 additional sources. Oftentimes these amount to monthly income in excess of $2,199. An experienced Idaho Medicaid Planning attorney can help these individuals meet the income eligibility requirement for Idaho Medicaid in several ways, including establishing a Miller Trust, a.k.a. Income Only Trust. Contact an Idaho Medicaid Planning attorney for more information about a Miller Trust and other options for qualifying for Idaho Medicaid.
Resource RequirementGenerally, applicants will not qualify for Idaho Medicaid benefits if they have more than $2,000 in countable resources. Again, this amount can be different for married applicants. It is important to contact an Idaho Medicaid Planning attorney to understand the resource limitations and how to plan to ensure both spouses are not impoverished when one spouse requires long-term care.
The Idaho Department of Health & Welfare does not consider several resources when determining resource eligibility for Idaho Medicaid, including: (a) a home (in most/certain circumstances); (b) one vehicle; (c) some personal items/household effects; and (d) pre-paid burial expenses. It is important to understand the specific property items that may or may not count as a resource for Idaho Medicaid eligibility purposes. Contact an experienced Idaho Medicaid Planning attorney for more specific guidance.
Five Year Look-Back Period (Gifts)Many people have heard of the "five year look-back period." Many people understand Idaho Medicaid is a need-based government benefit, and, as a result, transfer (gift) their property to their loved ones for the purpose of becoming resource eligible. Please do not make this mistake. If you have gifted property during the past five years for the purpose of becoming resource eligible for Idaho Medicaid, you must disclose this to the Idaho Department of Health & Welfare on your Idaho Medicaid application.
The Idaho Department of Health & Welfare will impose a "penalty period" upon those applicants who are otherwise eligible for Idaho Medicaid, but who have gifted property within the past five years for the purpose of qualifying for Idaho Medicaid. The penalty period begins to run at the time you apply for Idaho Medicaid, NOT at the time the gift was made. An Idaho Medicaid Planning attorney can help you avoid the potentially devastating effects of applying for Idaho Medicaid at an inopportune time.