Medicaid qualified individuals can receive care: in a traditional nursing home; in a hospice; in their home through a Home and Community Based Services (HCBS) Waiver; through a Program of All Inclusive Care for the Elderly (PACE); or through long term care insurance purchased through a state insurance partnership if you live in New York, Connecticut, Indiana, or California.
This is an excellent guide to help you understand Medicaid, the benefits it provides for long term care, and who may qualify. The guide also contains tips and strategies to help you with your long term care planning, a planner to help you estimate your eligibility, and a state resource guide with state .gov websites, addresses and telephone numbers.
Rhode Island Medicaid Long Term Care Handbook, Planner, and State Resource Guide
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How to fill out Medicaid Long Term Care Handbook, Planner, And State Resource Guide?
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Rhode Island Medicaid will cover the cost of long term care in a nursing home for eligible Rhode Island residents who require a Nursing Facility Level of Care. Nursing home coverage includes payment for room and board, as well as all necessary medical and non-medical goods and services.
Income & Asset Limits for Eligibility 2023 Rhode Island Medicaid Long-Term Care Eligibility for SeniorsType of MedicaidSingleMarried (both spouses applying)Regular Medicaid / Elders and Adults with Disabilities (EAD)$1,215 / month$1,643 / month3 more rows ?
However, in Rhode Island (and most other states), the application process involves a 60 month (5 years) ?Lookback Rule,? which means that the state will review any transfers or gifts given within five years of your application and take those into account.
The cost of nursing homes in Rhode Island is nearly 40% greater than that of assisted living facilities. The average cost for a semi-private room is $9,429 per month, and a private room is $10,038 per month. These costs will vary across the state.
You can also get help by clicking on our MyOptionsRI website. Assisted Living: The Rhode Island Medicaid program covers assisted living services in State-licensed Assisted Living Residences (ALRs) that are certified to participate in the long-term services and support (LTSS) program.
Exempt Assets in 2023 for an applicant in Rhode Island include: i. $4,000 or less in cash/non-exempt assets if single. If married, the asset limit is raised to $6,000.
In 2023, the Medically Needy Income Limits (MNILs) are $1,092 / month for an individual and $1,133 / month for a couple. The ?spend down? amount, which can be thought of as a deductible, is the difference between one's monthly income and the MNIL. In RI, one's ?spend down? is calculated for a 6-month period.
You can preserve your assets for your spouse or future generations by transferring them into a Medicaid Qualifying Trust at least five (5) years prior to the need for long-term skilled nursing care.