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Michigan Medicaid long-term care

The eligibility rules and the actual application path in Michigan. We link to the state agency at every step and we do not submit anything for you.

Quick answer

Does Michigan Medicaid pay for home care?

Michigan Medicaid can pay for long-term services at home through the MI Choice waiver and related LTSS pathways, but eligibility is a two-part test. Financial eligibility is decided by the local Michigan Department of Health and Human Services (MDHHS) office. Functional eligibility uses the Michigan Medicaid Nursing Facility Level of Care Determination (LOCD), entered in CHAMPS after a face-to-face assessment. MI Choice is aimed at people age 65+ or adults 18+ with disabilities who meet nursing-facility level of care; MDHHS materials also require needing supports coordination plus at least one other waiver service. Income and asset dollar limits for 2026 are still pending verification on this page against a single official MDHHS standards table — we will publish them with source links once checked. Start with your county MI Choice waiver agency / AAA for intake, and MDHHS for financial eligibility — not a home care agency.

What this page assumes you are paying for: what care costs in Michigan — hourly, monthly and yearly, each figure with its source.

Who to apply with

Michigan Medicaid — MI Choice waiver and nursing-facility LTSS
Official agency: Michigan Department of Health and Human Services (MDHHS)

Income and asset rules

Monthly income limit (MI Choice / nursing-facility Medicaid)

Data pending verification. Not yet verified against the state agency for a single publishable figure on this page. We publish figures only after they are checked against the official source, with the source and review date shown. Check the state agency directly in the meantime.

Countable asset limit (applicant)

Community spouse resource allowance (CSRA)

Community spouse monthly maintenance needs allowance (MMMNA)

Until those figures are verified against an official MDHHS standards publication, use the local MDHHS office or MI Bridges materials for current limits. Transfers of assets can affect eligibility — ask MDHHS or an elder-law attorney.

Home and community based services

MI Choice waiver
Home- and community-based services for older adults and adults with physical disabilities who meet nursing-facility level of care. Services are delivered through contracted MI Choice waiver agencies (PAHPs).
PACE / MI Health Link HCBS / nursing facility
Other LTSS doors also use the LOCD tool. MDHHS materials note applicants generally choose one long-term-care program pathway rather than stacking conflicting ones.

A waiver usually requires meeting both the financial rules and a functional (level-of-care) test. Waiting lists vary by waiver agency and by year.

How the application works

1. Contact the MI Choice waiver agency / AAA for intake
Waiver agencies use MDHHS MI Choice Intake Guidelines for telephonic screening and wait-list placement. · MI Choice program page
2. Medicaid financial eligibility (local MDHHS / MI Bridges)
Financial eligibility is determined by the local county MDHHS office. Apply or update through MI Bridges as directed.
3. Level of Care Determination (LOCD)
A face-to-face LOCD assessment must be completed and entered into CHAMPS for nursing-facility, MI Choice, PACE, and related pathways.
4. Waiver enrollment and capacity
Meeting criteria does not always mean immediate services — agency capacity and wait lists apply.
5. Choose services and providers
Supports coordination and service planning run through the waiver agency — not this website.

Before you file

Rules change annually — always confirm with MDHHS and your local waiver agency.
Transfers of assets in the look-back period can create a penalty period. That is a question for an elder law attorney, not a website.
You can apply directly. You never have to pay a service to file for you.

Common questions

Is the income limit the only test?

No. MI Choice and related LTSS pathways also require a nursing-facility Level of Care Determination (LOCD), Medicaid financial eligibility through the local MDHHS office, and program-specific rules such as needing supports coordination plus at least one other waiver service.

Where do I apply?

Contact the MI Choice waiver agency for your county (or your Area Agency on Aging) for intake, and complete Medicaid financial eligibility with the local MDHHS office / MI Bridges. We link official MDHHS pages and do not submit anything for you.

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.