Obtaining Missouri Medicaid for seniors can be stressful and anxiety-inducing. There are innumerable guidelines to follow, multiple offices to visit, and countless documents to obtain. The Missouri Medicaid application for the elderly is long and intricate, and slowly plodding through it 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 experts in the Missouri Medicaid eligibility standards. Our personalized Medicaid services aim to take the application and approval process off your hands to alleviate much of your pressure and worry. 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. Then, we assist with obtaining Medicaid-required documentation, fill out applications on your behalf, and act as a liaison with the State of Missouri's Medicaid eligibility department. Throughout the entire process, we'll be right by your side, keeping you updated until you receive your official approval.

Need assistance with Medicaid in MO for seniors? 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 homes and assisted living facilities. The average cost of assisted living in Missouri is $5,080 per month, or $60,960 per year. If you qualify, Medicaid for the elderly in Missouri 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?

Missouri 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, you must adhere to numerous rules and regulations to receive benefits.

To meet eligibility standards for Medicaid nursing homes in Missouri, you must:

Be a legal U.S. citizen or qualified alien
Be a resident of Missouri
Meet income and asset requirements
Be 65 years of age, blind, or permanently disabled

Financial Requirements

income

The applicant's monthly income is paid directly to the facility. Medicaid will supplement the remaining balance of the facility costs after the PPA (Patient Paid Amount) or income payment is applied to the account. Certain allowable deductions can be made from the applicant's income, including:

1. Secondary Insurance Premiums
2. PNA (Personal Needs Allowance): The applicant may retain $50.00 per month for personal expenses.

In specific cases, a spouse may be permitted to keep a portion of the applicant's income, depending on the individual circumstances.

assets

Before completing the Missouri Medicaid application for nursing home care, it is advisable to assess 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 Missouri are $5,905.25 for single applicants, $11,818.45 for couples applying together, and up to $154,140.00 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

To meet the Missouri Medicaid long-term care eligibility standards, applicants are also required to undergo a pre-admission screening (PAS) to determine 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 Missouri Medicaid Specialists Are Different

In a word: expertise.
At Senior Planning Services, this is what we do all day, every day. If you are looking for MO Medicaid help, you can be assured that Oour 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.

To ensure that our clients receive personal and efficient service, we assign a case manager to each applicant, who will remain on top of the case until its timely completion. We have successfully completed the Medicaid application for seniors in Missouri for many happy caregivers.

Missouri Medicaid for Seniors - Our Personalized 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

Ready to apply to Medicaid for long-term care in Missouri? The experts at Senior Planning Services are just a phone consultation away.
Let us replace your stress and anxiety with direction and clarity. Start planning today.

Give us a call at 855.775.2664 or