Delaware Medicaid Eligibility for Long-Term Care

Medicaid can be a lifeline for those who require long-term care. However, navigating the ins and outs of the Medicaid process can be overwhelming. Through this guide, Senior Planning Services will help you understand the Delaware Medicaid rules, such as eligibility requirements, available programs, and enrollment steps, so that you can make an informed decision. We know how challenging this process can be, and we are committed to supporting you or your loved one every step of the way.

Delaware Medicaid Requirements - What Determines Medicaid Eligibility in Delaware?

To be eligible for Medicaid coverage in Delaware, specific criteria and regulations must be met. These regulations will differ according to program and marital status. Please note that these amounts are a general guide and are subject to change. 

Delaware Medicaid Income Limits (2025)

What is the income limit for Medicaid in Delaware in 2025? The income limit in Delaware used to determine financial eligibility is detailed below: 

Medicaid Eligibility Income Chart, Delaware

Please note that this is a quick reference and is subject to change.

What is counted in the Delaware Medicaid income limit? 

In Delaware, Medicaid generally counts nearly all types of income when determining eligibility for benefits. This includes wages, pensions, Social Security benefits, and IRAs. Not counted as income include Holocaust restitution payments, VA Aid & Attendance, and Housebound Allowances. Delaware Medicaid income eligibility differs for single applicants from cases where two spouses are applying together.

In the case where one spouse is applying: 

• For Nursing Home Medicaid or Long Term Care Community Services, only the applicant spouse's income is considered. Additionally, the non-applicant spouse may be entitled to a Minimum Monthly Maintenance Needs Allowance (MMMNA) from the applicant spouse to avoid spousal impoverishment. 

• For Regular Medicaid/Aged Blind and Disabled, both spouses' income is considered in the limit, and there is no Monthly Maintenance Needs Allowance for the non-applicant spouse.

Medicaid Asset Eligibility Delaware

The Delaware Medicaid asset limits are outlined in the table below. 

Medicaid looks at all countable assets, such as cash, savings, investments, and property you own, to see if you qualify. Not included as countable assets are retirement accounts, such as IRAs and 401(k)s, personal items, one car, a primary home, and certain prepaid funeral trusts. 

If only one spouse is applying, Medicaid generally considers all assets to be jointly owned, although the non-applicant spouse may be permitted a Community Spouse Resource Allowance to retain a certain percentage of their assets. 

Medicaid Look-Back Rule

Medicaid in Delaware has a look-back period of 5 years. This rule ensures that no assets were gifted or sold at a price below fair market value within 60 months preceding the application to meet the asset limit requirements.

How to Qualify For Medicaid in Delaware if You Exceed the Limits

If you or your loved one applying for Medicaid in Delaware does not meet the limits outlined above, there are ways to reduce assets for Medicaid eligibility in Delaware.

1. Qualified Income Trusts (QIT): The QIT program, also known as Miller Trusts, allows individuals who earn more than the income limit but still cannot afford care costs to deposit their excess income into a legally protected trust. That money can then be used for approved medical and care-related expenses. Any remaining funds after the recipient's death go to the state. 

2. Asset Spend Down: Medicaid spend down rules in Delaware allow excess funds to be “spent down” on non-countable assets such as home modifications, paying off debts, or prepaying funeral expenses. 

How Do I Apply for Medicaid in Delaware?

1. Determine Your Coverage Needs: Choosing one of the available Medicaid plans is the first step in this process. These programs include Nursing Home Medicaid, Long Term Care Community Services (LTCCS), or Regular/Aged Blind and Disabled Medicaid.

2. Determine the Requirements: After choosing a plan, verify that you are financially eligible and meet the requirements outlined for each program.

3. Gather the Necessary Documentation Required for Medicaid in Delaware: There are various required documents for Medicaid in Delaware that verify identity, income,  assets, and medical needs. Some of these documents include:

• Identification, such as a government ID, driver's license, or passport

• Social Security card

• Quarterly statements of all your bank accounts, retirement accounts, and investments

• Proof of asset ownership

• Proof of income documents

• All expenses

• Health insurance cards

• Nursing home/assisted living/home care application and administration, if applicable

4. Complete Your Application: Fill out the form carefully and accurately, either online through Delaware ASSIST or by contacting Delaware Health and Social Services (DHSS). 

5. Submit Your Application: Send in your completed application online along with all the supporting documents. 

Medicaid for Nursing Homes in Delaware

Medicaid eligibility for nursing homes in Delaware can make long-term care more affordable for seniors by covering the costs of nursing homes. Various nursing home options accept Medicaid coverage, but acceptance and availability should be confirmed when choosing a nursing home facility that meets your needs.

Does Medicaid Pay For Assisted Living in Delaware?

Assisted living may be a suitable fit for seniors who need some help but don’t require nursing home care. Medicaid in Delaware may cover these services through the Long Term Care Community Services program or Regular Medicaid. These programs support seniors living at home or in community settings by offering help with daily tasks.  

Delaware Medicaid Eligibility Long-Term Care Support

Need assistance with navigating the myriad rules concerning Medicaid eligibility in Delaware? Senior Planning Services understands how overwhelming it can be to apply for Medicaid. So you don’t have to undergo the stress and confusion that often comes along with obtaining long-term care, we take the responsibility off your shoulders. If you are looking for guidance or to get your application completed without any hassle or tension, we are here to help. Contact Senior Planning Services today for an easy Medicaid application experience. 

Frequently Asked Questions about Delaware Medicaid

What does Delaware Medicaid cover?

Delaware Medicaid covers doctor visits, hospital care, lab tests, prescription drugs, and preventive services. It also includes dental, vision, mental health, and substance use treatment. Pregnant women, children, and elderly or disabled adults receive expanded coverage, including long-term care and home health support.  

Does Medicaid pay for nursing home care in Delaware?

Yes, Delaware Medicaid pays for nursing home care for eligible adults who meet income and medical need requirements. It covers room, board, skilled nursing, and personal care services. Medicaid also helps with long-term care through home and community-based services to delay or prevent nursing home placement. 

How do I reapply for Medicaid in Delaware?

Reapply for Medicaid in Delaware by submitting a renewal through Delaware ASSIST online, by mail, or in person at your local Division of Social Services office. You must update income, household, and health insurance information. Renewals typically occur every 12 months, and missing the deadline may cause coverage loss. Contact Senior Planning Services for help with this process.

Did Delaware expand Medicaid?

Yes, Delaware expanded Medicaid under the Affordable Care Act in 2014. The expansion covers adults aged 19 to 64 with incomes up to 138% of the federal poverty level. This change extended health coverage to thousands of low-income residents who were previously ineligible for traditional Medicaid programs.