Medicaid planning in Maryland can be stressful and anxiety-inducing. There are innumerable guidelines to follow, countless documents to obtain, and 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, our Medicaid consultants in Maryland simplify the eligibility standards, application, and approval process to alleviate much of your stress and anxiety. More than just offering sound advice, we implement the work for you.

Our comprehensive services are focused on helping families receive the benefits they deserve, both first-time applicants and those requiring Medicaid renewal in Maryland. Each of our clients is assigned a dedicated case manager to ensure that their application is filed with maximum efficiency. Starting with an initial consultation and assessment, we streamline the entire process. Next, we assist with statements and paperwork, fill out applications on your behalf, and act as a liaison with the State of Maryland’s Medicaid eligibility department. Your Maryland Medicaid specialist will be right by your side until you receive your official approval.
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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 homes and assisted living facilities. The average cost of assisted living in Maryland is $10,190 per month or $122,280 per year. Even those who have saved their whole lives may find that they drain their savings very quickly when paying for nursing care. If you qualify for Medicaid for long-term care in Maryland, these costs can be offset, ensuring you receive a high level of care even if your savings can’t pay for it all.

Who Is Eligible for Medicaid?

Maryland Medicaid eligibility for seniors 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 and provide Medicaid with supporting documentation to receive benefits.

In Maryland, Medicaid eligibility for a nursing home requires that you must:
• Be a legal U.S. citizen or qualified alien
• Be a resident of Maryland
• Meet income and asset requirements
• Be 65 years of age, blind, or permanently disabled

Financial Requirements

Income

Income

Once approved for Maryland Medicaid for seniors, the applicant's monthly income is due to the facility monthly. Medicaid will supplement the remainder of the facility balance after the PPA/Income payment is posted to the account. There are a few allowable deductions that can be paid out of the applicant's income. These include:

1. Secondary Insurance Premium
2. PNA allowance – the applicant can keep $102.00 monthly, which can be used for personal expenses

Based on the circumstances of an individual case, a spouse may be able to keep a portion of the applicant's income.
Assets

Assets

Medicaid eligibility in MD depends on an applicant’s assets. A long-term care applicant's assets must fall below specific thresholds to qualify for Medicaid. As of 2025, the asset limits in Maryland are $2,500 for single applicants, $6,000 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

Medical

Medicaid eligibility in Maryland for over-65s also requires a pre-admission screening (PAS) to determine the applicant's medical status. 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 Maryland 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 shoulder the burden to provide all the answers and alleviate all concerns during this particularly overwhelming junction of life. If you are finding the convoluted application process overwhelming, or if you just want to know that your application is in good hands, reach out to us to see how we can help.

Our Medicaid Consulting Services in Maryland

  • 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. Reach out to a Medicaid consultant in Maryland today.
Give us a call at 855.775.2664 or
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Maryland Medicaid FAQ

What types of long-term care does Maryland Medicaid cover for seniors?
Maryland Medicaid helps cover the cost of long-term care services such as skilled nursing facilities, assisted living (under certain waiver programs), and some home-based care. These benefits can significantly reduce the financial burden on seniors and their families.
Is there a way to protect a spouse’s income or assets during the Medicaid application process?
Yes. If only one spouse is applying for Medicaid, Maryland’s spousal impoverishment rules allow the non-applicant spouse to keep a portion of the couple’s assets and income. This helps ensure the spouse at home is not left financially vulnerable.
Will Maryland Medicaid place a lien on or take my home?
Medicaid will not take your home while you're alive. However, the state may try to recover costs after your death through estate recovery, unless exemptions apply, such as having a surviving spouse, a minor child, or a disabled child living in the home. The experts at Senior Planning Services can advise you as to the specific rules in your circumstance.
What does the medical eligibility screening involve?
To qualify for long-term care Medicaid, applicants must undergo a Pre-Admission Screening (PAS) to confirm that they require help with activities of daily living like bathing, dressing, or eating. This step is required to verify medical eligibility.
Do I have to complete the Medicaid application myself, or can someone help me?
You don’t have to go through it alone. Senior Planning Services has extensive experience as Medicaid consultants in Maryland. We can handle the entire process for you, including gathering documentation, completing forms, and communicating with Medicaid on your behalf. We have helped thousands of caregivers like you to get their loved one approved for Medicaid.
What happens if I transfer property or assets before applying?
Maryland Medicaid enforces a five-year "look-back" period. If you transfer or gift assets within this timeframe, it may result in a penalty that delays your eligibility. However, some transfers (such as to a spouse or disabled child) are exempt.