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When one spouse receives Medicaid coverage for long-term services and supports (LTSS), the other spouse can only retain a limited portion of that couple’s assets. But these “community spouses” – who are healthy enough to continue living at home – often are allowed to keep their entire income. This can mean they have enough money to pay their mortgage and other living expenses.
In most cases, only income of the spouse receiving LTSS is counted toward the eligibility limit for Medicaid long-term care benefits. This means the community spouse doesn’t have to take steps to reduce their income so a loved one can qualify for Medicaid.
If a community spouse’s monthly income is below a certain amount, they can keep a Minimum Monthly Maintenance Needs Allowance (MMMNA) from their spouse who receives nursing home or HCBS benefits – which can increase a community spouse’s income until it reaches that amount. This is sometimes called a “spousal allowance.”
In 2022, the MMMNA varies in each state, and is between a minimum of $2,288.75 and $3,435 each month.
Because these allowances are based on the federal poverty level, the minimum monthly amounts are higher in Alaska and Hawaii.
People with Medicare and Medicaid are known as dual eligibles – and account for about 20 percent of Medicare beneficiaries (12.1 million people). Learn how that status affects your coverage.
Our guide to financial assistance for Medicare enrollees includes information about HCBS, Medicaid spend-down, Medicaid for the aged, blind and disabled – and more.
The term long-term services and supports (LTSS) encompasses an array of medical and personal care services for people who struggle with self-care due to aging, illness or disability. People commonly receive LTSS services for months or even years (and this is why LTSS are sometimes referred to as “long-term care”).
In 2016, an estimated 11.7 million Medicare beneficiaries – about 20 percent of all enrollees – were also enrolled in Medicaid and are known as dual-eligible beneficiaries or dual-eligibles. And while you might not hear that term often – or at all – it's worth your time to understand what it means to have both Medicare and Medicaid (especially if you or a loved one is part of the "Medicare-Medicaid" population).
People with Medicare and Medicaid are known as dual eligibles – and account for about 20 percent of Medicare beneficiaries (12.1 million people). Learn how that status affects your coverage.
Our guide to financial assistance for Medicare enrollees includes information about HCBS, Medicaid spend-down, Medicaid for the aged, blind and disabled – and more.
The term long-term services and supports (LTSS) encompasses an array of medical and personal care services for people who struggle with self-care due to aging, illness or disability. People commonly receive LTSS services for months or even years (and this is why LTSS are sometimes referred to as “long-term care”).
In 2016, an estimated 11.7 million Medicare beneficiaries – about 20 percent of all enrollees – were also enrolled in Medicaid and are known as dual-eligible beneficiaries or dual-eligibles. And while you might not hear that term often – or at all – it's worth your time to understand what it means to have both Medicare and Medicaid (especially if you or a loved one is part of the "Medicare-Medicaid" population).
