New Jersey Medicaid's Global Options (GO) for Long-Term Care Waiver
What are Medicaid Waivers?
Medicaid pays for long term care services in nursing homes. For nursing home qualified persons that choose to live at home or in a residential community, Medicaid will pay for those services if they can be obtained at a lower cost. These are called Home and Community Based Services, Waiver Funded Services, Medicaid Waivers or simply Waivers.
Global Options for Long-Term Care Waiver Overview
This Medicaid waiver offers home care and assisted living services to persons clinically qualified for nursing home care. Participants, while eligible for nursing home care, must choose to remain living at home or in the community and receive care services in those locations.
The GO waiver was created in 2009 as a consolidation of 3 other New Jersey Medicaid Waivers.
-Assisted Living/Adult Family Care (AL/AFC)
-Caregiver Assistance Program (CAP)
-Community Care Program for the Elderly and Disabled (CCPED)
The GO waiver offers a consumer or participant direction option that enables participants to self-direct some of their care. This means they can hire the individuals or agencies they desired to provide them with care services. Among those who can be hired as paid caregivers are family members such as the adult children of aging parents. All care providers must be approved by the state.
GO Waiver Eligibility Guidelines
To qualify for the GO Waiver, there are age, functional and financial requirements. Applicants must be a minimum of 65 years old and a New Jersey resident. They must be clinically eligible for nursing home care and financially qualified for Medicaid. 2013 NJ Medicaid Income Limits
The income limit depends on the individual's cost of care. For most persons, the limit is set at $2,130 / month. However, for certain individuals with usually high medical expenses, there is a Medically Needy program that allows persons with higher incomes to qualify provided their excessive income is spent towards paying for their care. 2013 NJ Medicaid Asset Limits
Individual applicants are permitted to have up to $2,000 in countable assets, Medically Needy applicants up to $4,000. Married couples, with one spouse applying for Medicaid and the other spouse not applying, are permitted to allocate up to $115,920 in countable resources to the non-applicant spouse. This is called New Jersey's Community Spouse Resource Allowance.
Countable resources do not include all a family's assets. For example, their home is not considered provided it is valued at less than $802,000 and it is lived in by the applicant or their spouse. Primary vehicles, burial plots, funeral trusts and certain annuities may also be considered as non-countable assets. Persons whose believe their assets exceed Medicaid's limits should not automatically assume they cannot qualify. There are Medicaid planning experts who help families to structure their resources appropriately so they can become eligible. For example, an applicant can pre-pay for a funeral using an irrevocable funeral trust and lower their assets by up to $15,000. Learn more about IF Trusts
or find assistance applying for Medicaid
Services / Benefits
Waiver participants are eligible for any of the following. Specific services are determined at the individual level during assessment and periodically thereafter.
-Adult Day Health Service
-Assisted Living/Adult Family Care
-Community Transition Services
-Environmental Accessibility Modification
-Home-Based Supportive Care
-Personal Care Attendant
-Personal Emergency Response System (PERS)
-Social Adult Day Care
-Special Medical Equipment
-Transitional Care Management
Program Availability / How to Apply
Interested individuals should apply for Medicaid and the GO Waiver with their County Board of Social Services, their local NJ Area Agency on Aging
or by calling toll free 877-222-3737.
Use our Locator Tool to Find Other Options for which You're Eligible
Page Reviewed / Updated - Jan. 2013