Medicaid planning in Delaware can be stressful and anxiety-inducing. There are innumerable guidelines to follow and multiple documents to obtain. Plodding through the lengthy Delaware Medicaid application is enough to make you throw up your hands in defeat.

It doesn't have to be this way!

At Senior Planning Services, we are familiar with the Delaware Medicaid eligibility standards. We take over the application and approval process for first-time applicants as well as Delaware Medicaid renewals to alleviate much of your stress and anxiety. We offer more than just sound advice, we implement it.

Our comprehensive services are focused on helping families receive the Medicaid benefits they deserve. We streamline the entire process, starting with an initial consultation and assessment. We then assist with all the necessary Medicaid documentation and paperwork, fill out the application on your behalf, and act as a liaison with the State of Delaware's Medicaid eligibility department. We'll be right by your side until you receive your official approval.
Worrying, how do I apply for Medicaid in Delaware?
We can do it for you.
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Asset allowances document checklist

What is Medicaid?

Medicaid is a safety net. One of its primary purposes is to fund the costs of nursing facilities and assisted living facilities. The average cost of assisted living in Delaware is $7,425 per month, or $89,100 per year. For those who qualify, Delaware Medicaid for seniors can help offset these costs, ensuring you receive a high level of care even if your savings can't pay for it all.

Who Is Eligible for Medicaid?

DE Medicaid eligibility depends on several factors. The Medicaid program is designed to help people pay for the often staggering costs of nursing homes and other long-term care options, but you must adhere to numerous rules and regulations to receive benefits.

To qualify for Medicaid-assisted living and nursing homes in Delaware, you must:
  • Be a legal U.S. citizen or qualified alien
  • Be a resident of Delaware
  • Meet income and asset requirements
  • Be 65 years of age, blind, or permanently disabled

Financial Requirements

Income

Income

A long-term care applicant's income may not exceed certain limits. As of 2025, the limit in Delaware is $2,417.50 per month. If your income is higher than this, Senior Planning Services can help you set up a Qualified Income Trust (Miller Trust) so you can still qualify.
Assets

Assets

Applicants filling out the long-term Medicaid application must have assets below specific thresholds to qualify for assistance. As of 2025, the Medicaid asset limits in Delaware are $2,000 for single applicants, $3,000 for couples applying together, and up to $157,920 for the non-applicant spouse in cases where only one spouse is applying.

It's important to note that Medicaid enforces a five-year look-back period for financial transactions. During this time, any gifts or asset transfers may result in a penalty period of ineligibility for Medicaid coverage. This penalty corresponds to the total value of assets gifted or transferred during the look-back period. (There are some exceptions to the transfer rules that Medicaid may allow.)
Medical Eligibility

Medical Eligibility

Long-term Medicaid applicants in Delaware are required to undergo a pre-admission screening (PAS) to determine their medical eligibility. A physical evaluation from a Medicaid nurse will ascertain whether you need assistance with activities of daily living (ADL), such as showering, dressing, eating, and toileting.

Why Our Medicaid Specialists Are Different

In a word: expertise.
At Senior Planning Services, this is what we do all day, every day. We have successfully gotten many clients approved for Medicaid in a timely and efficient manner. Our Medicaid specialists have the resources, relationships, and know-how to help our clients maximize their benefits. We don't just guide individuals, couples, and families through the Medicaid process, we complete the Medicaid process for them. We shoulder the burden to provide all the answers and alleviate all concerns during this particularly overwhelming junction of life. If you are applying for Delaware Medicaid for the first time or need assistance with long-term Medicaid renewal in Delaware, we can help.

Our Medicaid Planning Services

  • Offer a free Medicaid Consultation
  • Assist in obtaining 60 months of bank and financial statements from financial institutions' back offices.
  • Assist in obtaining verifications from banks regarding checks, deposits, and cash withdrawals
  • Shoulder burden to provide all verification to satisfy all Medicaid's requests.
  • Assist families in utilizing excludable resources
  • Assist clients in the process of liquidating life insurance policies, annuities, and stocks etc.
  • Obtain missing documentation from the Vital Statistics office, if necessary
  • Update the client on the status consistently
  • Submit application to the county Board of Social Services
  • Interact with the Board of Social Services caseworker regularly
The experts at Senior Planning Services are just a phone consultation away.
Let us replace your stress and anxiety with direction and clarity.
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