State Medicaid Buy-In Programs: Implementation Status, Enrollment and Program Design Features

Table 1 Medicaid Buy-In Program Income Eligibility Criteria
	Whose Income is Counted?	What is the Countable Income Eligibility Limit?	What Disregards apply in determining Countable Income?	Is there a Separate Unearned Income Limit?
Alaska	Individual and spouse for total income; Individual for unearned income	Two part test: 1. Family net income less than 250% FPL 2. Individual unearned income less than Alaska Public Assistance (APA) standard of need.	Standard SSI disregards	Yes. Unearned income must be less than APA standard of need.
Arizona	Individual	250% FPL	Disregard unearned income and Standard SSI disregards Including disregarding IRWEs	No
Arkansas	Individual	250% FPL	Standard SSI disregards	Yes. Unearned income must be less than SSI standard plus $20
California	Individual and spouse	250% FPL	Standard SSI disregards	No
Connecticut	Individual	450% FPL $6,250/mo (gross) or $3,082/mo (net) after SSI disregards	Standard SSI disregards	No
Idaho	Individual	500% of FPL	Standard disregards under state Aid to the Aged, Blind & Disabled	No
Illinois	Individual and spouse	200% of FPL Net after taxes	Standard SSI disregards and work related expenses	No
Indiana	Individual	350% of FPL	Standard Medicaid income disregards in Indiana including IRWE	No
Iowa	Individual and spouse	250% FPL for family size	Standard SSI disregards	No
Kansas	Individual and spouse	300 % FPL	Standard SSI disregards plus IRWEs	No
Louisiana	Individual	250% FPL	Standard SSI disregards	No
Maine	Individual and spouse	Two part test: 1. Countable unearned income less than 100% FPL 2. Earned and unearned combined less than 250% FPL.	Standard SSI disregards, plus additional state disregard on unearned or earned income of $55.	Yes. Unearned income limit is 100% FPL plus $75.
Maryland	Individual and spouse	300% FPL	Standard SSI disregards	No
	Whose Income is Counted?	What is the Countable Income Eligibility Limit?	What Disregards apply in determining Countable Income?	Is there a Separate Unearned Income Limit?
Massachusetts Sec. 1115 Medicaid Waiver		No income eligibility maximum.
Michigan	Individual	No income limit	Standard SSI disregards	Yes. Unearned income limit is 100% of FPL
Minnesota	Individual	No income limit.	1902(r)(2) All earned and unearned income ignored	No
Mississippi
*Missouri* *Program ended August 28, 2005*	Individual and spouse’s income if over $100,000	250% FPL gross income	None	No
Nebraska	Individual and spouse	Two part test: 1. 250% FPL for family size using standard SSI disregards 2. Sum of all unearned and spouse’s earned income less than SSI benefit level for family size	Standard SSI disregards Individual’s earned income disregarded in part 2 of eligibility test. Individual’s unearned income if from Trial Work Period.	Yes. Unless an individual is in a Trial Work Period or Extended Period of Eligibility, SSDI income (minus disregards must be less than SSI income standard.
Nevada	Individual	250 % FPL Net income	Taxes Some income disregards (not all SSI)	Yes $699 per month
New Hampshire	Individual and spouse	450% FPL Net income	Standard SSI disregards	No
New Jersey	Individual and spouse	250% of FPL	Standard SSI disregards	Yes. Unearned income other than SSDI or SSI has limit is 100% of FPL
New Mexico	Individual	250% FPL	Standard SSI disregards and IRWEs and Work related expenses including cost of heatlh insurance	Yes Unearned income less than $1,090 a month
New York	Individual and spouse	250% FPL Net income	Standard SSI disregards	No
North Dakota	Family	225% of FPL	Standard SSI disregards	No
Oregon	Individual	250% FPL for individual	All unearned income, standard SSI disregards, and Employment and Independence Expenses.	No
	Whose Income is Counted?	What is the Countable Income Eligibility Limit?	What Disregards apply in determining Countable Income?	Is there a Separate Unearned Income Limit?
Pennsylvania	Individual	250% FPL net income of individual	Standard SSI disregards	No
Rhode Island	Individual	250% of FPL	Standard SSI disregards including IRWEs	Yes Unearned income no more than 100% of FPL Or would meet the eligibility requirements under the states Medically Needy program.
South Carolina	Individual	250% FPL	Standard SSI disregard	Yes Unearned income no more than Federal SSI standard
Utah	Individual and spouse	250% FPL net income	Standard SSI disregards	No
Vermont	Individual and spouse	Pre July 1, 2005 Two part test: 1. Family net income less than 250% FPL 2. Family net income less earnings and $500 of SSDI at or below medically needy protected income level Effective July 1, 2005 SSDI and Veterans benefits no longer counted toward unearned income limit	Standard SSI disregards. Disregard all earnings and $500 of SSDI for part 2 of eligibility test. Effective July 1, 2005 SSDI and Veterans benefits no longer counted toward unearned income limit	Yes. Unearned income limit is the Medically Needy program's Protected Income Level plus $500. No Effective July 1, 2005 SSDI and Veterans benefits no longer counted toward unearned income limit
Virginia (Enacted June 06 All details not available)				Yes, Unearned income limit is 80% of Federal Poverty Level
Washington	Individual and spouse But only individual income if spouse’s income is equal to or less than ½ of the SSI standard.	450% of Federal Poverty level based on gross income for single individual or 450% of Federal Poverty Level for couple if married and spouse had income greater than ½ of Federal SSI standard.	Standard SSI disregards and IRWE’s	No
West Virginia	Individual	250% of FPL	Standard SSI disregards and including IRWEs	Yes. The individual’s unearned income, that does not exceed the SSI Federal benefit standard plus the general income exclusion ($20)
Wisconsin	Individual and spouse	250% net family	Standard SSI disregards	No
Wyoming	Individual	100% FPL	No disregards	Yes. Unearned income not in excess of $600 per year

Table 2. Medicaid Buy-In Program: Resources Limits and Exclusions
	What is the Resource Limit?	Are Retirement Accounts Excluded from Countable Assets?	Are Medical Savings Accounts Excluded from Countable Assets?	Are Approved Accounts for Employment or Independence Excluded?
Alaska	$2,000 Individual $3,000 Couple Draft regulations proposed by Medicaid agency for resources limit of : $10,000 individual & $15,000 couple in mid 2006	No	No	No
Arizona	No resources limit	Yes	Yes	Yes
Arkansas	$4000 Individual $6000 Couple	No	No	Yes. Up to $10,000 in an Approved Account with interest on account not counted toward limit.
California	$2000 Individual $3000 Couple	Yes	No	No
Connecticut	$10,000 Individual $15,000 Couple	Yes	Yes	Yes
Illinois	$15,000	No	No	No
Idaho	$10,000	Yes	No	No
Indiana	$2000 Individual $3000 Couple	Yes	No	Yes. Up to $20,000as approved by state
Iowa	$12,000 Individual $13,000 Couple	Yes	Yes	Yes, Assistive Technology Accounts.
Louisiana	$25,000 Individual	Yes	Yes	No
Kansas	$15,000	Yes	No	IDA accounts excluded
Maine	$8,000 Individual $12,000 Couple	No	No	No
Maryland	$10,000 (includes spouse)	Yes, first $4,000 does not count toward resource limit	No	No
Massachusetts	(Part of Section 1115 waiver program)
	What is the Resource Limit?	Are Retirement Accounts Excluded from Countable Assets?	Are Medical Savings Accounts Excluded from Countable Assets?	Are Approved Accounts for Employment or Independence Excluded?
Michigan	$75,000	Yes	No	No

Table 1. Medicaid Buy-In Program Income Eligibility Criteria Page 2

Table 2. Medicaid Buy-In Program: Resources Limits and Exclusions Page 5

Table 3. Cost Sharing Policies: Minimum Income Level and Premium Method Page 8

Table 4. Work-Related Policies and Protections Page 15

Work Requirements

Table 1

Alaska

Table 2. Medicaid Buy-In Program: Resources Limits and Exclusions

Alaska