How to Apply for Medicaid as a Senior

Medicaid is a joint federal and state program that helps people with limited income and resources cover healthcare costs. For seniors, Medicaid can be especially important as it often covers services that Medicare does not — such as long-term care and personal assistance at home.

✅ Who Qualifies:

• Age 65 or older (also available for younger people with disabilities)

• U.S. citizen or qualifying legal immigrant

• Meet income and asset limits (which vary by state)

For example, in many states in 2025, the monthly income limit for an individual is around $2,829/month for nursing home care. Asset limits typically range from $2,000 to $3,000, not including your home, car, or personal belongings.

🩺 What Medicaid Covers:

• Hospital and emergency room services

• Doctor visits and specialist care

• Lab tests and diagnostic screenings

• Prescription medications (in some states)

• Home health services and personal care aides

• Long-term care in a nursing home or assisted living (based on medical need)

• Dental and vision care (varies by state)

• Transportation to medical appointments (non-emergency)

  
  

📝 How to Apply:

1. Locate your state’s Medicaid office — Start at Medicaid.gov

   
   

2. Gather your documentation:

   • Proof of age and identity (driver’s license, passport, or state ID)

   • Social Security number

   • Proof of U.S. citizenship or legal status

   • Proof of income (Social Security, pension, annuities, etc.)

   • Bank account statements, insurance policies, and property records

   
   

3. Submit your application:

   • Online through your state’s portal

   • In person at your local Department of Social Services

   • By mail with a paper application

💡 Important Tips:

• If your income is too high, ask about a "Medicaid Spend Down" or "Medically Needy" program.

• Review and renew your coverage annually.

• Consider applying with help from a Medicaid planner or social worker, especially for long-term care.