Long-Term Care Medicaid in Mississippi: 2026 Guide

In Mississippi, Medicaid is run by the Mississippi Division of Medicaid (DOM), which also decides eligibility. Long-Term Care Medicaid can pay for nursing facility care and for care at home through the Elderly and Disabled Waiver. Mississippi is an income-cap state, and its asset limit is higher than many states’. This guide explains the 2026 rules in plain language.

At a glance: Mississippi 2026 figures

Figures last updated for 2026. Sources are listed at the end of this page.

Figures change periodically. Double-check current amounts with the Mississippi Division of Medicaid before relying on them.

What Long-Term Care Medicaid covers in Mississippi

Nursing home care. Medicaid pays for care in a certified nursing facility. You pay most of your income toward the cost each month, and Medicaid pays the rest.

Elderly and Disabled Waiver. This waiver pays for home and community-based care for people 21 and older who need a nursing facility level of care but can live at home or in the community. Services can include case management, personal care, adult day care, home-delivered meals, respite, extended home health, therapy and help moving back to the community.

Other programs. Mississippi has other waivers for specific groups.

How Medicare fits in. Medicare Part A covers skilled nursing facility care only for a limited time. You generally need a medically necessary inpatient hospital stay of at least 3 days in a row first (time under observation or in the emergency room does not count), and you must need daily skilled nursing or therapy. In 2026, Medicare charges nothing for days 1 to 20 after the Part A deductible ($1,736) is met, $217 a day for days 21 to 100, and nothing after day 100, when you pay all costs. Medicare limits this coverage to 100 days in each benefit period. Medicaid can be a way to pay for long-term nursing home care after Medicare coverage ends.

Who qualifies

A person generally must:

• be 65 or older, or blind or disabled;
• live in Mississippi and be a U.S. citizen or qualified non-citizen;
• meet a nursing facility level of care, certified as described in DOM’s waiver rules, including a long-term care assessment;
• meet the income and asset rules below, as decided by DOM.

Income rules

Mississippi is an income-cap state. In 2026, the income limit is $2,982 a month. DOM’s chart refers to an income trust for people whose income is higher.

Once you are on Medicaid in a nursing facility, most of your income goes to the facility. You keep a personal needs allowance of $44 a month, and money can be set aside for a spouse at home and for health insurance premiums.

Asset rules

In 2026, a single applicant (or the spouse in the nursing home) can have up to $4,000 in countable resources. When both spouses enter long-term care, each is treated as an individual and may keep up to $4,000.

Countable resources include cash, bank accounts, CDs, stocks, bonds, mutual funds, retirement accounts that can be cashed in, life insurance cash value above set amounts and real estate other than the home.

Usually exempt:

• Your home (equity up to $752,000) if you live there or plan to return, or a spouse or dependent relative lives there
• One vehicle
• Household goods and personal belongings
• Burial plots and limited burial funds, within Mississippi Medicaid rules

Spousal protections

• Assets: The spouse at home can keep up to $162,660 in 2026, plus the home, one car and belongings.
• Income: The spouse at home keeps their own income. If it is below $2,705 a month (from July 1, 2026), part of the applicant’s income can go to them, up to $4,066.50 a month.

Look-back and penalties

When you apply, Mississippi looks back at the 60 months (5 years) before the application date. This is called the look-back period. The state checks whether you, or your spouse, gave away money or property, or sold something for less than it was worth, during that time.

Common examples of transfers that can cause a problem:

• Cash gifts to children or grandchildren, even small yearly gifts. (A gift that is fine for federal gift-tax purposes can still count for Medicaid.)
• Adding a child’s name to a house deed or bank account in a way that gives them part ownership.
• Selling a house or car to a relative for much less than it is worth.
• Paying a family member for care without a written agreement made at the time.

Some transfers are allowed, such as transfers between spouses, or transferring a home to a child who is blind or disabled.

How the penalty works. If the state finds a transfer that is not allowed, it does not deny Medicaid forever. Instead, it sets a penalty period: a stretch of time when Medicaid will not pay for long-term care. The state divides the amount given away by the penalty divisor ($9,430 a month ($309 a day)).

Example: Suppose you gave your daughter $50,000 three years before applying. $50,000 divided by $9,430 is about 5.3 months without Medicaid payment for long-term care.

The penalty period starts only once you have applied, are otherwise eligible, and are in (or need) long-term care. This is why gifts made while someone is healthy can still matter years later. If a gift is returned in full, the penalty can be removed.

Estate recovery in Mississippi

Mississippi’s estate recovery program is run by DOM.

• What is recovered: Medicaid paid for long-term care and related services received at age 55 or older, and for some people of any age in a nursing facility.
• When it is put off: federal rules prevent recovery while a spouse is alive, or if there is a child under 21 or a child who is blind or disabled.
• Hardship waivers: the state must have a way to waive recovery when it would cause undue hardship. Ask Mississippi Medicaid for the current rules.
• Family members and personal representatives can contact Mississippi Medicaid with questions.

How to apply

• At a regional Medicaid office: applications can be filed in person, by mail, by fax, online or by telephone, according to DOM’s eligibility manual.
• For the Elderly and Disabled Waiver:

Applying for a spouse or parent. If you are applying for someone else, you may need legal authority to act for them, or you can be named as an authorized representative on the application. Gather statements for every account, not just the main one, and write down when the person’s care needs began. If the person is already in a nursing home, ask the facility’s business office or social worker which Medicaid forms they need from you and when, and tell the agency if any requested document is hard to get, since agencies can often give extra time when you ask before the deadline.

After you apply. Mississippi Medicaid will send you a written notice saying whether you qualify, from what date, and how much of your income goes toward your care each month. If you disagree with a decision, you have the right to ask for a fair hearing (appeal). The notice explains how to ask and the deadline for asking. Keep copies of everything you send and receive, and report changes in income, assets or address when they happen.

Gather what you can before you apply. The caseworker may ask for:

• Photo ID, Social Security card and Medicare card
• Proof of age and of U.S. citizenship or immigration status
• Proof that you live in the state (for example, a utility bill or lease)
• Proof of all income: Social Security award letter, pension statements, annuity statements
• Bank, credit union and investment statements (often for the full 60-month look-back period)
• Deeds, property tax bills and the value of any real estate
• Life insurance policies (showing cash value) and prepaid funeral or burial contracts
• Vehicle titles
• Health insurance cards and long-term care insurance policies
• Power of attorney or guardianship papers, if someone is applying for you
• For a spouse at home: their income and assets too, since both spouses’ assets are counted at the start

If you cannot find a document, apply anyway and tell the caseworker. They can explain what else is accepted.

Free public help in Mississippi

• Mississippi Division of Medicaid: applications and eligibility.
• Planning and Development Districts / Area Agencies on Aging: local help with waiver services.
• SHIP (State Health Insurance Assistance Program): free Medicare counseling.
• Long-Term Care Ombudsman Program: free advocates for residents of nursing homes and other long-term care settings.

Recent and upcoming changes

A 2025 federal law (Public Law 119-21) makes two changes that affect Long-Term Care Medicaid in every state, including Mississippi:

• Retroactive coverage gets shorter on January 1, 2027. Today, Medicaid can pay bills from up to 3 months before the month you apply, if you would have qualified then. For applications from January 1, 2027, this window shrinks to 2 months for older adults and people with disabilities. In plain terms: from 2027, it matters more to apply soon after care starts, so that earlier bills are not left unpaid.
• Home equity cap on January 1, 2028. States will no longer be able to set a home equity limit above $1,000,000 (except for some farm property). Mississippi’s 2026 home equity limit, $752,000, is already below the new cap, so this change is not expected to affect Mississippi’s limit.

The federal amounts that change each year (for example, the allowances for a spouse at home) will be updated on this page for 2027 once they are published.

State programs

Each program below has its own page with who qualifies, services, how to apply and waiting lists:

• Mississippi Elderly and Disabled Waiver
• Mississippi Assisted Living Waiver
• Mississippi Independent Living Waiver

Frequently asked questions

What is the Elderly and Disabled Waiver? Mississippi’s Medicaid program for care at home for people 21 and older who need a nursing facility level of care.

Why is Mississippi’s asset limit $4,000? That is DOM’s 2026 limit for a single person or the spouse in a nursing home.

How much can my spouse keep? Up to $162,660 in assets in 2026, plus the home, a car and belongings, and income of at least $2,705 a month.

How long is the penalty for a gift? Divide the gift by $9,430 to get the number of months. A $20,000 gift would mean about 2.1 months without Medicaid payment for long-term care.

Will the state take my home after I die? Mississippi Medicaid can seek repayment for long-term care paid after age 55, which can include the home. Recovery is put off while a spouse or a young or disabled child survives, and hardship waivers exist.

Figures change periodically. Double-check current amounts with the Mississippi Division of Medicaid before relying on them.

Sources

• DOM, Appendix A-2, institutional limits and transfer divisors (rev. 7/26)
• DOM, LTC ABD Nursing Home (January 2026)
• DOM, Elderly and Disabled Waiver fact sheet
• DOM, Long Term Care
• DOM, Eligibility Manual Chapter 101
• Medicare.gov, Skilled nursing facility care
• CMS, 2026 SSI and spousal impoverishment standards
• Public Law 119-21 (2025)

Last updated for 2026. General information only, not legal or financial advice. Medicaid Answers is a free educational resource published by Medicaid Answers Foundation.