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This Idaho Medicaid waiver program provides an alternative to nursing facility admission for people who are aged, blind, or disabled by providing nursing home level care services to participants in their homes and communities. The Aged and Disabled Waiver will also pay for services in assisted living communities and adult foster homes, which in formal language are referred to Residential Assisted Living Facilities and Certified Family Homes, respectively.
This waiver allows for Participant Direction, in which the individual receiving care has the flexibility to choose who provides them with care. While the participant selects their own care providers, they are required to use a third party financial management organization to manage payroll to their care providers.
It is worth mentioning that participant direction is also referred to as Cash and Counseling and Consumer Direction. Not all services under this waiver are subjected to direction by the beneficiary; those that are include attendant care, homemaker and chore services, companion services, and skilled nursing. Friends and even some family members, can be hired to provide these services provided they are qualified to do so and pass a background check / screening by the administering agency.
This waiver is operated by the Idaho Department of Health and Welfare, which is a division of Medicaid. Medicaid in Idaho is also referred to as the Idaho Health Plan or simply Medical Assistance.
Idaho’s Aged and Disabled Waiver has eligibility criteria related to both the physical health of the candidate and their financial situation.
If a candidate is 65 years of age or older, they must require nursing home level care. If the applicant is between the ages of 18-64, he or she may still qualify, but require a designation of disabled by the Social Security Administration.
Financial Criteria - Income
The A&D Waiver requires participants to be financially eligible for Idaho Long Term Care or Nursing Home Medicaid. For this waiver, as of 2018, if an individual is 65 years of age or older and requires nursing home level care, monthly income cannot exceed 300% of the Federal Benefit Rate (FBR). This means the monthly income limit is $2,250 or $27,000 annually.
If married and only one spouse is applying, income may be considered separately with the applicant permitted $2,250 and their spouse permitted $3,090. As rigid as these figures are, persons exceeding these limits, might still gain eligibility by working with a professional Medicaid planner who can utilize special trusts to make applicant’s income eligible. Learn more.
Financial Criteria - Assets
Idaho Medicaid also considers the applicant's countable resources or assets. “Countable resources” include the total value of their assets except for their home (given the home equity value does not exceed $858,000 and the applicant lives in the home), their car, burial contract, and personal effects. The 2018 limit for a single applicant is $2,000.
The rules differ for married couples with only one spouse seeking assistance from Medicaid. In this situation, a portion of their joint assets can be allocated to the non-applicant spouse for living expenses. The non-applicant is permitted to retain $123,600 in assets.
Other strategies exist for helping families reduce their countable assets to gain Medicaid eligibility. It should be noted that families cannot simply give away assets because all financial transactions for 60 months preceding the application date are considered. Those whose financial holdings exceed the limits, but who cannot afford their cost of care, might still be eligible for Medicaid and receive assistance from the Aged and Disabled Waiver. Professional assistance is available in Idaho to help individuals with the Medicaid application process. Learn more.
Each applicant is approved for a different suite of benefits. These can include any services from the list below. Some, but not all, of these services can be self-directed by the program participant.
Although the Aged and Disabled Waiver is available throughout Idaho, it is not considered a Medicaid entitlement program where benefits are guaranteed. Qualified applicants may be put on a waiting list until slots become available. It is recommended one check the waiting list status prior or during application to manage their expectations regarding the availability of benefits.
To learn more, check wait time or apply, one should contact their Idaho Department of Health and Welfare regional office. A very detailed and lengthy PDF is available for download here which explains in legal language the terms of this program.