• Skip to main content
  • Skip to primary sidebar
Zimmer Law Firm logo Zimmer Law Firm
  • Our Firm
    • About Our Firm
    • Attorney and Staff Profiles
    • Communities We Serve
      • Butler County
        • Fairfield
        • Hamilton
        • West Chester
      • Clermont County
        • Milford
      • Hamilton County
        • Blue Ash
        • Cincinnati
        • Loveland
        • Montgomery
        • Sharonville
      • Warren County
        • Mason
    • Our Client Care Program
  • Services
    • Estate Planning Services in Cincinnati, Ohio
    • Incapacity Planning
    • IRA Inheritance Planning in Cincinnati, Ohio
    • Legacy Wealth Planning in Ohio
    • LGBTQ Estate Planning Services in Ohio
    • Medicaid Planning and Elder Law
    • How the SECURE Act Impacts Your Ohio Estate Plan
    • Special Needs Estate Planning in Cincinnati, Ohio
    • Young Adult Legal Protection Plan in Ohio
  • Live Events
    • Webinars
  • Resources
    • DocuBank
    • Ohio Elder Law Resources
      • Blue Ash
      • Cincinnati
      • Elder Law & Medicaid Definitions
      • Fairfield
      • Hamilton
      • Loveland
      • Montgomery
      • Sharonville
      • West Chester
    • Estate Planning Resources
      • Estate & Gift Tax Figures
      • Estate Planning Checkup
      • Estate Planning Definitions
      • Free Estate Planning Checklist
      • Incapacity Planning Definitions
      • Is Your Estate Plan Outdated?
      • Legacy Planning Definitions
      • Top 10 Estate Planning Techniques
    • FAQs
    • Pre Consultation Form
    • Probate Resources
      • Blue Ash
      • Cincinnati
      • Hamilton
      • Loveland
      • Mason
      • Milford
      • Probate Checklist
      • Sharonville
      • Trust Administration & Probate Definitions
      • West Chester
    • Presentations
  • Blog
  • Reviews
  • Contact

Zimmer Law Firm

Estate Planning & Elder Law Attorneys

513.721.1513
Request a Free Consultation
Request a Free Consultation

Google initial with star next to it

  • Our Firm
    • About Our Firm
    • Attorney and Staff Profiles
    • Communities We Serve
      • Butler County
        • Fairfield
        • Hamilton
        • West Chester
      • Clermont County
        • Milford
      • Hamilton County
        • Blue Ash
        • Cincinnati
        • Loveland
        • Montgomery
        • Sharonville
      • Warren County
        • Mason
    • Our Client Care Program
  • Services
    • Estate Planning Services in Cincinnati, Ohio
    • Incapacity Planning
    • IRA Inheritance Planning in Cincinnati, Ohio
    • Legacy Wealth Planning in Ohio
    • LGBTQ Estate Planning Services in Ohio
    • Medicaid Planning and Elder Law
    • How the SECURE Act Impacts Your Ohio Estate Plan
    • Special Needs Estate Planning in Cincinnati, Ohio
    • Young Adult Legal Protection Plan in Ohio
  • Live Events
    • Webinars
  • Resources
    • DocuBank
    • Ohio Elder Law Resources
      • Blue Ash
      • Cincinnati
      • Elder Law & Medicaid Definitions
      • Fairfield
      • Hamilton
      • Loveland
      • Montgomery
      • Sharonville
      • West Chester
    • Estate Planning Resources
      • Estate & Gift Tax Figures
      • Estate Planning Checkup
      • Estate Planning Definitions
      • Free Estate Planning Checklist
      • Incapacity Planning Definitions
      • Is Your Estate Plan Outdated?
      • Legacy Planning Definitions
      • Top 10 Estate Planning Techniques
    • FAQs
    • Pre Consultation Form
    • Probate Resources
      • Blue Ash
      • Cincinnati
      • Hamilton
      • Loveland
      • Mason
      • Milford
      • Probate Checklist
      • Sharonville
      • Trust Administration & Probate Definitions
      • West Chester
    • Presentations
  • Blog
  • Reviews
  • Contact

Home Our Blog Ohio Medicaid Limits for 2023

Ohio Medicaid Limits for 2023

By Barry Zimmer on March 14th, 2023 in Medicaid

Although you may prefer not to think about it, there is a significant possibility that you will need long-term care at some point. With that in mind, it is wise to familiarize yourself with the Medicaid program and the eligibility guidelines that apply to seniors. To get you started, a Loveland Medicaid planning attorney at Zimmer Law Office discusses the Ohio Medicaid limits for 2023.

Why Do I Need to Worry about Qualifying for Medicaid?

If you never relied on Medicaid during your working years, you are undoubtedly wondering why you would need to plan for the need to qualify for Medicaid as a senior. The need to qualify for Medicaid may arise from the need for long-term care (LTC) at some point during your retirement years. With the average cost of LTC running at almost $100,000 a year in Ohio for 2022, the average person cannot afford to cover that cost out of pocket. Although Medicare will likely cover most of your healthcare costs as a senior, it will not pay for LTC nor will most basic health insurance plans. Unless you purchased a separate LTC plan, you may be faced with paying out of pocket unless you qualify for Medicaid.

Understanding the Medicaid Program

Medicaid is a healthcare program that is predominantly funded by the federal government; although, each state has the option to supplement federal funding and each state is responsible for administering the program. As such, the benefits and eligibility guidelines for Medicaid vary somewhat from one state to another. In addition, the limits, exemptions, benefits, and procedures that apply to Medicaid are subject to change each year. Finally, individual state Medicaid programs typically include several eligibility categories, including one for applicants who are “aged,” meaning those who are 65 years of age or older. To ensure that you will qualify for Medicaid if you need it, it is crucial to understand the eligibility criteria and keep informed about important changes to the program.

Ohio Medicaid Eligibility Limits for 2023

Because Medicaid is considered a “needs-based” program, applicants must have income and assets below the applicable limits to be eligible for benefits. Because the income limit is directly tied to the federal poverty level, the income limit may change each year. For 2023, the income limit in Ohio for regular Medicaid for the aged is $914 for an individual and $1,371 for a couple if both spouses are applying. If you are applying for the Medicaid Waivers / Home and Community Based Services or Institutional/Nursing Home Medicaid program the limit is $2,742 for an individual and $5,484 for a married couples applying together.

When determining eligibility, any income you receive is counted, including things such as employment wages, alimony payments, pension payments, Social Security Disability Income, Social Security Income, IRA withdrawals, and stock dividends. If you are married, and only one of you needs Medicaid benefits, you may apply as an individual and your spouse’s income will not be counted when determining eligibility. The non-applicant spouse, however, may be entitled to a Minimum Monthly Maintenance Needs Allowance (MMMNA) from the applicant spouse. The MMMNA is a spousal impoverishment rule that sets the minimum amount of monthly income a non-applicant spouse needs to avoid impoverishment. Until June 30, 2023, the MMMNA is $2,288.75. If a non-applicant’s monthly income is under $2,288.75, income can be transferred from the applicant’s income to increase the non-applicant spouse’s income; however, the non-applicant’s income cannot exceed $3,715.50/

Contact a Loveland Medicaid Planning Attorney

For more information, please join us for an upcoming FREE webinar. If you have additional questions or concerns about incorporating Medicaid planning into your estate plan, contact an experienced Loveland Medicaid planning attorney at Zimmer Law Office by calling 513-721-1513 to schedule your appointment today.

Primary Sidebar

Request a Free Consultation

  • This field is for validation purposes and should be left unchanged.

What Our Clients Say

Some years ago, Barry Zimmer suggested we do a basic estate plan for our son when he went to college. We had no idea how important it would be! In our son's freshman year, he ended up in the hospital, and we were able to get crucial information about his condition because we had a health care ...

Read All Testimonials

Zimmer Law Firm

9825 Kenwood Road
Suite 201
Cincinnati, OH 45242
  • Facebook Logo
  • Linkedin Logo
  • X Logo
  • Youtube Logo

Copyright © 2025 Zimmer Law Firm
Disclaimer Privacy Policy

 

Make a Payment