Applying for Medicaid in WV can be stressful and anxiety-inducing. There are innumerable guidelines to follow, countless visits to make, and multiple documents to obtain. Plodding through the lengthy and confusing 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, a Medicaid consultant in West Virginia takes responsibility for your application and approval process to alleviate much of the stress and anxiety. We understand that this trying time can be very overwhelming, and we offer more than just sound advice; we implement it.

Our comprehensive WV Medicaid planning services are focused on helping families and seniors receive the Medicaid benefits they deserve. Starting with an initial consultation and assessment, we streamline the entire process. Then, we assist with obtaining statements and Medicaid paperwork, fill out applications on your behalf, and act as a liaison with the State of West Virginia’s Medicaid eligibility department. We’ll be right by your side until you receive your official approval.
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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 homes and assisted living facilities. The average cost of assisted living in West Virginia is $5,750 per month, or $69,000 per year, a considerable sum for many, even for seniors who have been saving for this. If you meet West Virginia Medicaid eligibility requirements, these costs can be offset, ensuring you receive a high level of care even if your savings can’t pay for it all.

Medicaid Eligibility in West Virginia - Am I Eligible?

West Virginia 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.

To qualify for Medicaid nursing homes in West Virginia, you must:
• Be a legal U.S. citizen or qualified alien
• Be a resident of West Virginia
• Meet income and asset requirements
• Be 65 years of age, blind, or permanently disabled

Financial Requirements

Income

Income

When an individual is receiving long-term care through West Virginia Medicaid, his/her income goes to the facility, and Medicaid will cover the difference in their nursing home coverage. Income includes Social Security, pension, and any monies that are coming in every month. When an individual is staying long-term in a facility, some deductions may come out of a Medicaid Applicant's income:

- A personal needs allowance (PNA) $50.00 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

WV Medicaid nursing home eligibility also depends on an individual'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 West Virginia 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

Medical

Before starting Medicaid-assisted living in West Virginia, a pre-admission screening (PAS) 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 Benefit From Using Our West Virginia Medicaid Specialists

In a word: expertise.
At Senior Planning Services, this is what we do all day, every day. Our Medicaid consultants in West Virginia 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.

We have vast experience applying for Medicaid in WV, and many happy applicants to our name. If you need to apply for West Virginia Medicaid and are feeling overwhelmed by the process, tap our West Virginia Medicaid planners today - we’re here to help.

Benefit From Our WV 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 the 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.
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Medicaid Consultant in WV FAQs

Do all seniors aged 65 and over qualify for Medicaid in West Virginia?
Not all seniors aged 65 and over qualify for Medicaid in West Virginia. Eligibility depends on income and asset limits as well as other eligibility factors as outlined above. As of 2025, individuals must earn less than $2901 monthly and have less than $2,000 in assets to qualify for full Medicaid. Those exceeding limits may qualify for Medicaid waivers or spend-down programs.
How can I renew Medicaid in WV?
You can renew Medicaid in West Virginia by submitting a renewal form through WV PATH (www.wvpath.wv.gov), by mail, or by phone. The state sends renewal notices 60 days before the due date. Update all income and household information accurately to avoid losing coverage.
How can I apply for Medicaid in West Virginia for seniors?
Apply for Medicaid in West Virginia for seniors by contacting the West Virginia Department of Health and Human Resources (DHHR) or visiting www.wvpath.wv.gov. You must be a resident, meet income and asset limits, and be aged 65 or older. Submit required documents and complete an eligibility interview. With tens of years of experience helping seniors obtain Medicaid coverage, Senior Planning Services can assist you if you need support with the application.
Who is eligible for Medicaid in WV?
Medicaid eligibility in West Virginia includes low-income individuals, families with children, pregnant women, seniors aged 65 and older, and people with disabilities. Applicants must be U.S. citizens or qualified non-citizens and residents of West Virginia. Income and asset limits vary by category and household size.
How much is Medicaid in West Virginia for seniors?
There is generally no monthly premium, but seniors must meet strict income and asset limits to qualify. In nursing homes, most income (except a small personal allowance) goes toward care costs.