Obtaining Medicaid for seniors in Kentucky can be stressful and anxiety-inducing. There are innumerable guidelines to follow and multiple appointments to make. Plodding through the lengthy and convoluted 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 Kentucky Medicaid eligibility standards. So you don’t have to go through the stress and anxiety of the long application and approval process, our Kentucky Medicaid consultants offer sound advice and implement it.

Families and seniors deserve access to the Medicaid benefits they are eligible for. Our comprehensive services are focused on meeting this need. 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 Kentucky’s Medicaid eligibility department. We’ll be right by your side until you receive your official approval.

Ready to apply for Kentucky Medicaid? We can help!

Contact Senior Planning Services today to learn more

Asset allowances document checklist

What is Medicaid, and Why Do I Need It?

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 Kentucky is $9,000 per month, or $108,000 per year, a large sum even for those who have been saving for years. If you qualify for long-term care under Medicaid in Kentucky, these costs can be offset, ensuring you receive a high level of care even if your savings can’t pay for it all.

How Can I Meet Kentucky Medicaid Eligibility Standards?

Kentucky long-term care Medicaid 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 Kentucky Medicaid nursing homes, you must:
• Be a legal U.S. citizen or qualified alien
• Be a resident of Kentucky
• Meet income and asset requirements
• Be 65 years of age, blind, or permanently disabled

Financial Requirements

Income

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, our elder financial planning consultants can help you set up a Qualified Income Trust (Miller Trust) so you can still qualify.

Assets

To be eligible for Kentucky Medicaid nursing homes, a long-term care applicant's assets must fall below specific thresholds. As of 2025, the asset limits in Kentucky are $2,000 for single applicants, $4,000 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

Kentucky Medicaid nursing home rules require a pre-admission screening (PAS) 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 You Will Gain By Applying to Medicaid For Seniors in Kentucky With Us

In a word: expertise.
At Senior Planning Services, this is what we do all day, every day. Our Kentucky Medicaid specialists have the resources, relationships, and know-how to help our clients maximize their benefits. When you sign up for Medicaid in Kentucky with us, you will receive all the answers you need during this overwhelming junction in life. Whether you are a first-time applicant or need assistance with your annual Medicaid renewals in Kentucky, we can help.

Benefit From Our Kentucky Medicaid Services for Seniors

Gain from the following services offered by our Kentucky Medicaid consultants:

A free Medicaid Consultation
Assistance in obtaining 60 months of bank and financial statements from financial institutions' back offices.
Assistance in obtaining verifications from banks regarding checks, deposits, and cash withdrawals
Shouldering the burden of providing verification to satisfy all of Medicaid's requests.
Assisting families in utilizing excludable resources

Assisting clients in the process of liquidating life insurance policies, annuities, and stocks etc.
Obtaining missing documentation from the Vital Statistics office, if necessary
Updating the client on the application status consistently
Submitting the application to the county Board of Social Services
Communicating 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

FAQs on Medicaid for Seniors in Kentucky

How do I apply for Medicaid in Kentucky?: You can apply for Medicaid in Kentucky by applying through the Kentucky Benefind website, by phone at 1-855-306-8959, by mail, or in person at a local Department for Community Based Services office. Applicants must provide proof of income, identity, and residency to complete eligibility verification.
Who is eligible for Medicaid in Kentucky?: Eligibility for Medicaid in Kentucky covers low-income individuals and families, including children, pregnant women, parents, seniors, and people with disabilities. Adults aged 19–64 qualify if their income is at or below 138% of the federal poverty level. Applicants must also meet residency and citizenship requirements. Senior Planning Services has experience in understanding the Medicaid guidelines and can help you understand eligibility requirements.
Can I apply for Kentucky Medicaid nursing home benefits online?: You can apply for Kentucky Medicaid nursing home benefits online through the Kentucky Benefind portal. The application requires financial details, proof of identity, and medical documentation to determine long-term care eligibility. You can also apply by phone, mail, or at a local Department for Community-Based Services office.
When can you apply for Medicaid in Kentucky?: You can apply for Medicaid in Kentucky at any time of the year because enrollment is open year-round. Applications are accepted online through the Benefind portal, by phone, mail, or in person at local Department for Community-Based Services offices. Coverage starts after eligibility approval. Senior Planning Services can help if you are struggling with the application requirements.
Will Medicaid pay for nursing home care in Kentucky?: Medicaid will pay for nursing home care in Kentucky if the applicant meets financial and medical eligibility requirements. Coverage includes room, board, and skilled nursing services in certified facilities. Applicants must demonstrate medical necessity for long-term care and meet income and asset limits set by the state.