Florida's Medicaid Program for Long-Term Care
Florida's Medicaid program is called Florida Agency for Health Care Administration (AHCA). The program that specifically covers long-term care services — including assisted living, in-home care, and nursing home care — is called SMMC-LTC (Statewide Medicaid Managed Care Long-Term Care).
Does Medicaid Cover Assisted Living in Florida?
Yes — SMMC-LTC covers personal care services in assisted living and adult family care homes. Room and board are not covered.
2026 Eligibility Requirements
To qualify for Florida Medicaid long-term care coverage, you must meet both financial requirements and a medical need requirement. Here are the 2026 figures:
| Requirement | 2026 Limit | Notes |
|---|---|---|
| Income limit (single) | $2,982/month | Almost all income counted |
| Asset limit (single) | $2,000 | Countable assets only |
| Home equity limit | $752,000 | Primary home often exempt |
| Community Spouse Resource Allowance | $162,660 | Protects non-applicant spouse |
| Look-back period | 60 months (5 years) | Reviews asset transfers |
| Primary home | Exempt | If applicant or spouse lives there |
| One vehicle | Exempt | Regardless of value |
Medical Eligibility
In addition to meeting financial requirements, applicants must demonstrate a need for a Nursing Facility Level of Care (NFLOC). This means the applicant requires the level of care typically provided in a nursing home — assessed through their ability to perform Activities of Daily Living (ADLs) such as bathing, dressing, eating, toileting, and transferring.
Waitlist Status
Waitlist Information
Yes — SMMC-LTC has limited enrollment slots. Waitlists exist in many areas. Contact your local Aging and Disability Resource Center (ADRC) to start the screening process early.
Florida-Specific Rules to Know
Key Florida Details for 2026
Florida merged all previous Medicaid waivers (Alzheimer's waiver, Nursing Home Diversion waiver, Assisted Living for the Elderly waiver) into one SMMC-LTC program. Average assisted living costs in Florida run just over $5,600/month — among the most searched senior care markets in the country. Start the process early given potential waitlists.
The 5-Year Look-Back Period
Florida enforces a 60 months (5 years) look-back period for nursing home Medicaid and HCBS waiver programs. During this window, Medicaid reviews any assets you transferred or gave away. Gifts or transfers below fair market value — even those under the annual IRS gift tax exclusion of $19,000 — can trigger a penalty period of Medicaid ineligibility.
This is why Medicaid planning — done well in advance of needing care — is so important. An elder law attorney can help you structure assets legally to protect family wealth while establishing Medicaid eligibility.
What SMMC-LTC Covers and Doesn't Cover
Covered in assisted living:
- Personal care assistance (bathing, dressing, grooming)
- Medication management and administration
- Nursing assessments and skilled nursing visits
- Case management and care coordination
- Some transportation to medical appointments
Not covered:
- Room and board (rent, meals, housing)
- Amenities and activities fees
- Personal clothing and items
How to Apply in Florida
To apply for Florida Medicaid long-term care:
- Assess eligibility first — Use Dorthea's free assessment to understand your financial eligibility and care level qualification before applying
- Consult an elder law attorney — Especially if assets exceed the limit or if asset transfers have occurred in the past 5 years
- Apply online or by phone — Visit myflfamilies.com or call 1-866-762-2237
- Gather documentation — Bank statements (60 months), income records, property records, medical records, and ID
- Complete functional assessment — A state assessor will evaluate care level need
- Find a participating facility — Not all assisted living communities accept SMMC-LTC. Verify before committing
Processing typically takes 45–90 days. Benefits can be retroactive up to 3 months in some cases.
If You Don't Qualify Right Away
If your income or assets are above the limit, you still have options:
- Qualified Income Trust (Miller Trust) — If income is above the limit, a properly drafted QIT can redirect excess income and restore eligibility
- Medicaid spend-down — Using assets on care costs until you reach the $2,000 limit
- Exempt asset conversion — Converting countable assets into exempt ones (home repairs, prepaid funeral, paying off debt)
- VA Aid & Attendance — If the applicant is a veteran or surviving spouse, VA benefits can provide up to $2,788/month. See our VA Benefits guide →
- Long-term care insurance — If a policy was purchased previously, review coverage carefully
Dorthea Can Help You Navigate Florida's Medicaid System
Dorthea's free assessment identifies your Florida Medicaid eligibility pathway, surfaces relevant programs, and flags the look-back timeline — so you can start planning before a crisis forces a rushed decision.