Care and Benefits: What Long-Term Care Medicaid Pays For

Care and Benefits: What Long-Term Care Medicaid Pays For

Long-Term Care Medicaid is not just “nursing home Medicaid.” Depending on the state, it can pay for care in a nursing home, in assisted living, in an adult day program or at home, and in many states it can even pay a family member to provide care. This section explains what each kind of care is, how Medicaid pays for it, and what families should know about rights, quality and costs.

Figures change periodically. Double-check current amounts before relying on them.

The short version

  • Nursing home care is a required Medicaid benefit in every state, with no waiting list for people who qualify.
  • Home and community-based services (care at home, in adult day programs and in assisted living) are offered in every state, but often through waiver programs with enrollment caps and waiting lists.
  • Medicaid generally does not pay room and board in assisted living or at home. It pays for care services.
  • Residents of Medicaid-certified nursing homes have strong federal rights, including protections against improper discharge.
  • Families can often choose how care is delivered, including hiring and directing their own caregivers.

Overview

Nursing homes

Assisted living

Care at home and in the community

Family caregivers

Medicare and Medicaid together

Choosing the right setting

NeedSettings to consider
Round-the-clock skilled nursingNursing home
Help with daily activities, wants own apartmentAssisted living (through a waiver or state plan)
Wants to stay home, family helpsIn-home care, adult day care, consumer-directed or paid family caregiver programs
Caregiver needs a breakRespite care
Terminal illnessHospice, at home or in a facility
Lives in a PACE service area, 55+PACE
In a nursing home, wants to move back to the communityMoney Follows the Person

Each state guide lists that state’s programs. Programs and waiting lists change often, and a Certified Medicaid Planner can help a family match the person’s needs to the programs available in their state.


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

Scroll to Top