Medicaid eligibility includes several exceptions that allow certain groups or individuals to qualify despite not meeting the standard criteria. Here are some specific exceptions:
Income Exceptions
- Veteran’s Aid & Attendance Allowance: In most states, this allowance does not count towards income for Medicaid eligibility.
- Holocaust Survivor Reparations: These reparations are also excluded from income when determining Medicaid eligibility.
Asset Exceptions
- Life Insurance Policies: Policies with a combined face value of generally up to $1,500 are exempt from Medicaid’s asset limits.
- Sale of Resources: Proceeds from the sale of certain resources may not be considered income if they are not converted into cash immediately.
Non-Financial Exceptions
- Citizenship Status: While U.S. citizenship or qualified non-citizen status is typically required, certain exceptions may apply based on specific eligibility groups or state rules.
- Residency: Beneficiaries must be residents of the state where they are applying, but exceptions can occur based on interstate agreements or federal laws.
Care and Service Exceptions
- Medically Needy Programs: Some states offer medically needy programs for individuals with significant health needs, allowing them to qualify through “spending down” excess income.
- 209(b) States: These states must allow a spenddown to income eligibility levels for groups based on blindness, disability, or age, even if a medically needy program exists.
Spousal Income Allowance
- Minimum Monthly Maintenance Needs Allowance (MMMNA): This allows a non-applicant spouse to receive a portion of the applicant spouse’s income to prevent impoverishment.
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