Medicaid in Michigan

Medicaid is the main way Michigan families pay for long-term care when savings run low. It’s run by the Michigan Department of Health and Human Services (MDHHS). You can apply online through MI Bridges or at a local MDHHS office.

Not sure where your parent stands? Try the Medicaid pre-screener. It gives a rough estimate only.

Who qualifies for long-term care help

Michigan looks at three things:

1. Care need. Your parent must need help at the level of a nursing home. A local agency does an assessment.
2. Income. Each program has its own income rules. For nursing home care, Michigan compares income to the cost of care.
3. Assets. Savings and investments count. The home, one car, and personal belongings usually don’t. A spouse who stays at home can keep a share of the couple’s assets.

MI Choice Waiver

MI Choice pays for care at home or in assisted living for people who would otherwise need a nursing home. It can cover personal care, meals, adult day programs, and home changes. There is often a waiting list, so call your Area Agency on Aging early.

Home Help program

Home Help pays a caregiver to help with bathing, dressing, meals, and other daily tasks for people with Medicaid. The caregiver can be an agency or a person your parent chooses, including some family members.

Spend-down

If income is too high, your parent may still qualify by “spending down” on medical bills each month. Medicaid then pays the rest. A caseworker or elder-law attorney can explain how it works for your parent.

Estate recovery

After someone 55 or older who received long-term care through Medicaid dies, Michigan may try to recover costs from their estate. Some estates are exempt, and families can apply for a hardship waiver. Plan for this with an elder-law attorney.