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Last reviewed 2026-09-30Sources listed with each figureHome Care Math editorial deskHow we source figures
Medicaid and long-term care
Medicaid — not Medicare — is what pays for long-term care for most families who need help paying for it. It is run state by state, which is why the limits below are listed per state instead of as one national number.
Verified state rules
How it works
- Medicaid HCBS waivers — the route that pays for care at home instead of a nursing home
- Asset limits by state — what counts and what is excluded
- Spend-down rules — when income is over the limit and eligibility is still possible
- Waiver names by state — the program is called something different in almost every state
- Medicaid eligibility screener — a screening guide, not an official determination
What we do not do
We do not apply for benefits, we do not give legal advice, and we do not take payment to place anyone anywhere. Questions that turn on your own numbers — trusts, transfers, the look-back period — belong with an elder law attorney or your state Medicaid agency; each state page links to the agency that actually decides.
Related
- What care costs by state
- Cost calculator
- How many hours do you need
- How HCBS waivers work
- Does Medicare pay for home care
We are an independent informational and tools site. We are not a government agency, not a healthcare provider, and not a licensed referral agency under California CCR Title 22 or Florida Stat. 429.195. We do not place people into facilities and we do not charge families. Nothing here is legal, medical or financial advice — always confirm current rules with the state agency or a licensed professional.