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Florida 2020 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 2020, which are as follows:

 Assets allowed for single applicant


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


 Gross income for the Medicaid applicant

Less than $2,349* per month 

 Gross income for the community spouse


 Minimum Spousal income diversion

$2,114/month (until 6/30/20) 

 Maximum Spousal income diversion

$3,161/month (until 6/30/20) 

 Exempt value of home (single person only)


 Transfer Penalty Divisor

 $9,485/month as of 7/1/19 

Community Spouse Excess Shelter


Personal Needs Allowance (single person)


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


Medicare Part B Premium

$144.60/month for most people 

 *If income is higher, a qualified income trust will be required in order to establish Medicaid eligibility (married or single).

**Some Medi-Gap (Medicare supplements) plans will pay this co-pay.


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 $595,000.

We have a great deal more information on Medicaid and asset protection planning on our home page.  

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.

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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