Medicaid planning in Indiana can be stressful and anxiety-inducing. There are innumerable guidelines to follow and multiple appointments to make. Plodding through the application process 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 thoroughly familiar with the Indiana Medicaid eligibility standards. We take care of the application and approval process to alleviate much of your stress and anxiety. Our Indiana Medicaid specialists offer more than just sound advice, they 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. Then, we assist with obtaining Medicaid-required documentation and paperwork, fill out applications on your behalf, and act as a liaison with the State of Indiana's Medicaid eligibility department. We'll be right by your side until you receive your official approval.

Ready to apply for Medicaid in Indiana? We can help!

Contact Senior Planning Services today to learn more

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 Indiana is $8,000 per month, or $96,000 per year. If you qualify, Indiana Medicaid for assisted living 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?

Indiana Medicaid long-term care eligibility depends on several factors. Though the Medicaid program is designed to help people pay for the often staggering costs of nursing homes and other long-term care options, there's a caveat. You must adhere to numerous rules and regulations to receive benefits.

To meet eligibility standards for Medicaid nursing homes in Indiana, you must:
• Be a legal U.S. citizen or qualified alien
• Be a resident of Indiana
• Meet income and asset requirements
• Be 65 years of age, blind, or permanently disabled

Financial Requirements

Income

To be able to file for Medicaid in Indiana, a long-term care applicant's income may not exceed certain limits. As of 2025, these limits are $2,901 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

An Indiana Medicaid long-term care applicant's assets must fall below specific thresholds to qualify. As of 2025, the Medicaid asset limits 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

A pre-admission screening (PAS) is required to determine the applicant's 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. Our Indiana Medicaid specialists have the resources, relationships, and know-how to help our clients maximize their benefits. When you sign up for Medicaid in Indiana, we won’t just guide you through the process, we will shoulder the burden to provide all the answers during this particularly overwhelming junction of life. Whether you are a first-time applicant or need assistance with your annual Medicaid renewals in Indiana, we can help.

Indiana Medicaid for Seniors: Our 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 the 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.

Give us a call at 855.775.2664 or

Indiana Medicaid FAQ

Who qualifies for Medicaid in Indiana for seniors?: Seniors in Indiana qualify for Medicaid if they are aged 65 or older, have low income, and meet asset limits. Indiana also offers Aged and Disabled Waiver programs for seniors needing in-home or long-term care. Eligibility requires U.S. citizenship or legal residency.
Does Social Security count as income for Medicaid in Indiana?: Yes, Social Security counts as income for Medicaid eligibility in Indiana. The state includes monthly Social Security benefits when calculating total income. This amount helps determine if seniors meet the income limits for standard Medicaid or long-term care programs.
What assistance is available for seniors in Indiana?: Indiana offers seniors assistance through Medicaid, nutrition programs, energy bill support, transportation services, and in-home care under the CHOICE program. Area Agencies on Aging help connect seniors to benefits like meal delivery, caregiver support, and health insurance counseling. Senior Planning can help you work out which benefits you are eligible for.
How long does it take to get approved for Medicaid in Indiana?: Approval for Medicaid in Indiana typically takes up to 45 days, but applications involving disability may take up to 90 days. If documents are not submitted correctly, delays can occur. Faster processing is possible if all required documents are submitted promptly and accurately. Senior Planning can help you file your application efficiently and correctly.
Do early retirees qualify for Medicaid?: Early retirees can qualify for Medicaid if they meet income and asset limits. Retiring before age 65 does not disqualify someone, but eligibility depends on financial need. Some states also offer expanded Medicaid for low-income adults under 65.