Obtaining Medicaid for seniors in Ohio can be stressful and anxiety-inducing. The innumerable guidelines and rules governing the application process, as well as making multiple visits to obtain endless documentation, can leave you feeling overwhelmed and confused. Slowly 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 aim to simplify the Ohio Medicaid application process to alleviate much of your stress and anxiety. We offer more than just sound advice; we implement it.

Our comprehensive services are focused on helping seniors and their families receive the Medicaid benefits they deserve. We streamline the entire process, starting with an initial consultation and assessment. Then, we assist with obtaining statements and Medicaid-required paperwork, fill out applications on your behalf, and act as a liaison with the State of Ohio’s Medicaid eligibility department. We’ll be right by your side until you receive your official approval.

Need to apply for Medicaid in Ohio? We can help!

Contact Senior Planning Services today to learn more

Asset allowances document checklist

What Is Medicaid, and Why Do You Need It?

Medicaid is a safety net. A joint federal and state program, it aims to help cover medical costs for people with limited financial resources. One of its primary purposes is to fund the costs of nursing homes and assisted living facilities. The average cost of assisted living in Ohio is $8,500 per month, or $102,000 per year, an astronomical sum for many. If you meet the Ohio Medicaid guidelines, these costs can be offset, ensuring you receive a high level of care even if your savings can’t pay for it all.

Ohio Medicaid Eligibility - Can I Get Coverage?

Receiving Medicaid assistance for long-term care can make a world of a difference, and relieve your financial worries; however, Ohio Medicaid eligibility depends on several factors. The Medicaid program is designed to help people pay for the often staggering costs of nursing homes and other long-term care options, but there’s a caveat. You must adhere to numerous rules and regulations to receive benefits.

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

Financial Requirements

Income

To receive Medicaid for the elderly in Ohio, 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

When applying for Medicaid in Ohio, a long-term care applicant's assets must fall below specific thresholds to qualify. As of 2025, the asset limits in Ohio 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 final step in the application process is a pre-admission screening (PAS), which 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 You Will Gain From Using Our Medicaid Specialists

In a word: expertise.
At Senior Planning Services, this is what we do all day, every day. Our Ohio Medicaid specialists have the resources, relationships, and know-how to help our clients maximize their benefits. With vast experience in the Ohio Medicaid guidelines, we get the job done quickly and efficiently. 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. Whether you need assistance with a first-time application or with your Ohio Medicaid renewals, our team is ready to help. Obtaining Medicaid for seniors in Ohio is simple and stress-free with us.

Benefit From Our Ohio Medicaid Planning 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 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

Medicaid for Seniors in Ohio FAQs

How long does it take for Medicaid approval in Ohio?: Medicaid approval in Ohio typically takes up to 45 days after submitting a complete application. If a disability determination is required, the process may take up to 90 days. Processing times depend on application accuracy, documentation, and verification speed.
How can I apply for Medicaid in Ohio?: Apply for Medicaid in Ohio by visiting benefits.ohio.gov or contacting your local County Department of Job and Family Services. Complete the online or paper application, provide required documentation such as income and residency proof, and wait for a determination, typically within 45 days.
Does Medicaid pay for assisted living in Ohio?: Medicaid pays for assisted living in Ohio through the Assisted Living Waiver Program. This program covers personal care, meals, housekeeping, and medication management for eligible seniors. Applicants must meet income, asset, and care level requirements and reside in a participating assisted living facility.
Do seniors automatically qualify for Medicaid in Ohio?: No. Seniors in Ohio only automatically qualify if they receive Supplemental Security Income (SSI). Others must meet income, asset, and medical-need requirements.
How do seniors qualify for Medicaid in Ohio?: They must meet Ohio’s financial limits (income and assets) and have a qualifying medical need, such as requiring help with daily activities or nursing facility-level care. Some can qualify by using a Qualified Income Trust or by spending down excess assets. Senior Planning Services are experienced in helping seniors attain Medicaid eligibility and can provide more information on the options if you need support with qualifying.