This Medicaid program is intended to help eligible seniors with chronic illnesses or disabilities who require the level of care typically provided in skilled nursing homes, yet who prefer not to live in a nursing home. This includes persons with Alzheimer’s and other forms of dementia.
Instead of being placed in a nursing home, they remain living at home or can receive care services in assisted living. By allowing individuals to do this, the state maximizes the use of family caregivers and lowers its institutional Medicaid costs.
New York’s Managed Long Term Care consists of three plans. Participants can select from the following plans:
Applicants must be at least 18 years of age to enroll in the MLTC program.
PACE Plan participants must be 55+.
New York residents who are (1) 21 years of age or older, (2) are dual eligible (qualify for both Medicare and Medicaid), and (3) have a need for long-term care for more than 4 months are required to enroll in a NY Managed Long Term Care Plan.
All applicants must need the level of care provided in a skilled nursing home. From a practical standpoint, this means an assessment of the individual’s ability to care for himself/herself is necessary.
On the financial side, a senior applicant’s income and assets must fall within New York’s Medicaid limits.
As of 2023, an individual applicant can have monthly income no greater than $1,677. A married couple with both spouses as applicants is allowed $2,268 a month in income.
When only one spouse requires MLTC services, the applicant spouse may be able to transfer up to $3,715.50 a month income to the non-applicant spouse in order to prevent spousal impoverishment.
An individual’s resources must be less than $30,182. Couples with both spouses applying are allowed up to $40,821 in assets. When only one spouse is applying, the non-applicant spouse may be able to retain up to $148,620 of the couple’s joint assets as a community spouse resource allowance, which is an addition to the $30,182 the applicant spouse is able to keep. (Click here to learn more about Medicaid and jointly owned assets).
Please note that the home is not included in the sum of an applicant’s financial resources unless neither the applicant nor his/her spouse intends to live in it. Also, applicant’s should be aware that there is a limit of $1,033,000 on the equity value of their home.
New Yorkers whose income or assets surpass Medicaid’s limits may still be able to receive some Medicaid benefits by working with a Medicaid planning expert. These professionals can assist families in structuring their income and resources in such a way as to qualify for Medicaid. By doing so, families who would not otherwise qualify can gain eligibility as well as retain some of their life savings for future generations. Learn more.
Participants in all the plans within this managed care program may receive the following services:
In addition, participants in the Medicare PACE and the Medicaid Advantage Plus Plans receive Medicare medical services, while those who opt for the MLTC Medicaid Plan continue to receive their medical benefits separately.