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Florida 2023 Long-Term Care Medicaid Eligibility Standards

Florida just released its eligibility standards for long-term care Medicaid (i.e., the nursing home, assisted living or in-home care) for 2023, which are as follows:

 Countable assets allowed for non-married applicant


 Assets allowed for community spouse (known as the Community Spouse Resource Allowance)


($148,620 together) 

 Gross income for the Medicaid applicant

Less than $2,742/month* 

 Gross income for the community spouse


 Minimum Spousal income diversion

$2,289/month (until 6/30/23) 

 Maximum Spousal income diversion

$3,716/month (until 6/30/23) 

 Exempt value of home (single person only)


 Transfer Penalty Divisor

 $10,809/month as of 7/22 

Community Spouse Excess Shelter


Personal Needs Allowance 


Medicare Rehab Co-Pay (days 21-100)**


Medicare Part B Premium

$164.90/month for most people 

 *If income is higher, a qualified income trust will be required in order to qualify for long-term Medicaid in Florida (married or single).

**Some Medi-Gap (Medicare supplements) plans will pay this co-pay. HMOs (Medicare Part C) will have similar, but not the same, co-pay rules

Countable assets include almost anything owned by the elder, including bank accounts, stocks, bonds, cash value in life insurance and more. The homestead property is not a countable asset for Medicaid purposes unless it is worth more than $688,000 (single person only).

We have a great deal more information on Medicaid and asset protection planning on our home page.  If the applicant's assets are over the limit, an elder law attorney can be instrumental in protecting assets, even within the five (5) year "look-back" period.

These numbers specifically apply to the long-term care program only, which includes paying for the nursing home and for the assisted living facility. Getting Medicaid to pay for the assisted living facility is difficult.

If your loved one just entered the nursing home for rehabilitation, you will want to read these list of questions to ask in this difficult time. You may also want to look at Medicaid spend down planning as well.

Does Your Loved One Need Long Term Care?

We may be able to help! Our law firm has done thousands of Medicaid applications from people all over Florida and we may be able to help you and your family in this difficult time.  Please feel free to reach out if you need help with:

If you want to learn more about Medicaid and Medicaid asset protection planning for your loved one, we may be able to help you! You can learn more about how we can help by downloading our free book, Protect Your Nest Egg from a Florida Nursing Home.

D. Rep DeLoach III
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Estate Planning and Board Certified Elder Law Attorney
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Florence Hauslaib 06/09/2021 05:04 PM
What is the amount of the Personal Needs Allowance for a person residing in an assisted living facility in Florida as of June 2021? Is there a monthly maximum not to be exceeded?
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