A rapidly aging loved one can cause significant stress and anxiety when further care is needed. Aside from the decisions about what type of care to pursue and where, there is always the question of funding. Assisted living and skilled nursing facilities are exorbitantly priced, and the cost very often exceeds the means of the average family, even those living the American dream.

Fortunately, there are options, and Pennsylvania Medicaid for the elderly serves as a safety net for nearly 60 million Americans. Unfortunately, the long-term care application process for PA Medicaid is confusing and lengthy, and many applicants and their families get lost trying to navigate Medicaid’s maze of guidelines.

At Senior Planning Services, we aim to assist seniors and their families with the application for Pennsylvania Medicaid. We are familiar with the PA Medicaid eligibility standards for seniors and work to achieve maximized benefits. We provide a comprehensive service. Each client we take on is assigned a personalized case manager who assists in every aspect of the application. From the initial consultation through the final approval, we are by your side.
Need help with Medicaid for seniors in PA? We can help!
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Understanding Medicaid for Seniors in Pennsylvania

Medicaid is a federally and state-funded program for individuals requiring health care. A large portion of Medicaid funds the health care of children and pregnant women, while the remaining portion covers the care of the elderly and disabled. The federal government foots a sizable part of the budget, and each state foots the remaining 40% of the bill. There are individual state guidelines on eligibility and coverage. Quaker State citizens have several excellent long-term care options through Pennsylvania Medicaid available to them.

Financial Requirements

Income

Income

There are several Medicaid qualifications in PA. If an individual is on Medicaid, their income goes to the facility, and Medicaid covers the difference in their nursing home coverage. Income includes Social Security, pension and any monies that are coming in monthly. When an individual is staying long-term in a facility, some deductions may come out of a Medicaid Applicant’s income. These include:
  • A personal needs allowance (PNA) of $45 in a Nursing Home that the Medicaid recipient can choose to use for whatever he/she wishes.
  • A supplemental health insurance premium to allow the policy to remain active.
  • Depending on the scenario, the community spouse or a dependent child may retain some or all of the applicant's income.
Assets

Assets

There are also asset limits needed to meet the long-term care eligibility standards for Pennsylvania Medicaid. As of 2025, asset allowances in PA allowed an individual earning $2,901 per month to keep up to $2,400 in resources. However, individuals whose income is below $2,901 per month are allowed to keep up to $8,000. Medicaid planning in PA can help if you worry that your assets are over the limit.
Medical Eligibility

Medical Eligibility

Medicaid eligibility for a PA nursing home also depends on an individual's medical status. Medicaid will want to verify an applicant’s medical need. They will require forms to be filled out by the applicants’ physician and family members. In some cases, a nurse from the Department of Health may also come down to do some clinical testing.

What Senior Planning Can Do

If you need assistance with Medicaid planning in Pennsylvania, we can help. At Senior Planning Services, we are thoroughly familiar with the many rules and regulations governing Medicaid in each state we serve. We keep updated on the ever-changing eligibility and coverage criteria regarding the Pennsylvania Medicaid long-term care application. Often, a minor mistake in the process will result in untold anguish and months of costly care not being covered. Our Medicaid assistance in Pennsylvania will ensure you have the proper knowledge and planning to avoid that. Below are just a few of the processes involved in applying for Medicaid:
  • ‘Countable’ and ‘Excludable’ Assets
  • ‘Spend Down’
  • 5-Year ‘Look Back’
  • Irrevocable Prepaid Funeral Trust
  • ‘Community Spouse’ Laws
  • Transfers and Gifts

In addition to our comprehensive knowledge in the field of Pennsylvania Medicaid services, we pride ourselves on our customer service. Our PA Medicaid consulting clients are treated as family and can expect one of our qualified case managers to hold their hand during the entire application process from start to finish. We are familiar with PA documentation requirements and will assist you in obtaining all the papers you need from the prior 60 months. We will be in constant contact with your case manager at the County Assistance Office and provide frequent updates on your eligibility status. We will be there to listen and help until your Pennsylvania Medicaid application is completed.

Medicaid for Seniors in PA - 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
  • Guide families through the spend-down process
  • Assist families in utilizing excludable resources
  • Assist clients in the process of liquidating life insurance policies, annuities, and stocks etc.
  • Obtain missing documentation from Vital Statistics, if necessary
  • Update the client on the status constantly
  • Interact with the (CAO) County Assistance Office caseworker regularly
  • Submit application to the (CAO) County Assistance Office
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