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Paying for care · Florida Medicaid

Florida Medicaid long-term care for dementia

Florida Medicaid can pay for long-term dementia care through the Statewide Medicaid Managed Care Long-Term Care program. Here is who qualifies in 2026, what it covers and how to get on the list.

Updated October 12, 2026

Florida Medicaid pays for long-term dementia care through the Statewide Medicaid Managed Care Long-Term Care program. It can cover companion care, homemaker, respite, adult day care, assisted living and nursing homes for people who need nursing-home-level care and meet financial rules ($2,982 a month income and $2,000 in assets for one person, April 2026). Start with a screening through your local ADRC.

How Florida Medicaid pays for long-term dementia care

Florida delivers most Medicaid long-term care through the Statewide Medicaid Managed Care (SMMC) Long-Term Care program, often called the LTC waiver.

The Agency for Health Care Administration (AHCA) runs it, and services come through private managed care health plans. The program pays for long-term services and supports, either at home and in the community or in a facility. It does not replace regular health coverage: doctor visits and hospital stays are handled separately.

Two things surprise many families. First, the LTC program is not an entitlement: meeting the rules does not guarantee a spot right away, because space for home and community services is limited. Second, three different state agencies are involved, so the process has several steps.

An adult son on the phone with an Aging and Disability Resource Center about a Florida Medicaid long-term care screening for his mother
Photo: Age Cymru / Unsplash

Who is eligible

Your loved one generally needs to meet both medical and financial rules:

  • Age or disability: 18 or older and in need of long-term services and supports.
  • Medical need: needs a nursing facility level of care, as determined by the Department of Elder Affairs’ CARES assessment.
  • Financial need: meets Medicaid income and asset rules, as determined by the Department of Children and Families (DCF).

2026 income and asset limits

DCF’s financial eligibility standards for April 2026 list these limits for institutional care, home and community-based services and hospice:

Standard (April 2026)IndividualCouple (both applying)
Monthly income limit$2,982$5,964
Countable asset limit$2,000$3,000
Community spouse resource allowance$162,660
Home equity interest limit$752,000

These standards change during the year, and how income and assets are counted is complicated. Income over the limit, a spouse who will stay at home, a home, or gifts made in recent years can all change the picture. This is the point where a Florida elder law attorney is worth consulting, before you move any money.

What the program can cover

AHCA lists these long-term care services. Your loved one’s case manager decides which services go into their plan of care based on assessed needs.

At home and in the community

  • Adult companion care
  • Homemaker
  • Personal care
  • Respite care
  • Adult day health care
  • Home-delivered meals
  • Caregiver training
  • Behavioral management
  • Home accessibility adaptations
  • Personal emergency response system
  • Medication administration
  • Transportation to LTC services

Clinical and facility care

  • Care coordination and case management

  • Intermittent and skilled nursing

  • Attendant nursing care

  • Physical, occupational, speech and respiratory therapy

  • Nutritional assessment and risk reduction

  • Medical equipment and supplies

  • Assisted living and assistive care

  • Nursing facility care

  • Hospice

Hiring someone you know

Plans must offer a Participant Direction Option to eligible enrollees living in their own or a family home. Under it, your loved one (or a representative) can hire their own worker for adult companion care, homemaker services, personal care and certain nursing services. AHCA’s plan contract says enrollees may hire neighbors, family members or friends who meet the minimum qualifications, though a person acting as the enrollee’s representative cannot also be the paid worker.

How to apply for Florida Medicaid long-term care, step by step

  1. Call your local Aging and Disability Resource Center (ADRC), or the Elder Helpline at 1-800-96-ELDER (1-800-963-5337), and ask for a long-term care screening. The screening is done by phone.

  2. Get placed on the waitlist. Your screening results set a priority rank. People with a low priority rank may not be placed on the waitlist, so describe needs fully: wandering, falls, getting lost, unsafe cooking, caregiver exhaustion. If needs change while you wait, call the ADRC back and ask whether a new screening is appropriate.

  3. Release and assessment. When a slot opens, the Department of Elder Affairs’ CARES program assesses your loved one, usually at home and at no cost, to confirm nursing facility level of care.

  4. Apply with DCF for financial eligibility. DCF reviews income and assets and mails a decision.

  5. Choose a plan. Once approved, AHCA sends a welcome packet explaining how to choose a long-term care health plan, which then assigns a case manager.

One exception to the waitlist: under AHCA’s plan contract, someone who has lived in a nursing facility for at least 60 consecutive days can transition to home and community services without being released from the waitlist.

Find your ADRC

Florida has 11 ADRCs, one per planning and service area. For the areas Dementia Companions serves:

AreaADRCPhone
Miami-DadeAlliance for Aging, Inc.(305) 670-6500
BrowardArea Agency on Aging of Broward County(954) 745-9567
Palm BeachArea Agency on Aging of Palm Beach/Treasure Coast(561) 684-5885
Collier, Lee, SarasotaArea Agency on Aging for Southwest Florida(239) 652-6900
Hillsborough, ManateeSenior Connection Center1-800-963-5337
OrangeSenior Resource Alliance(407) 514-1800
DuvalElder Source(904) 391-6600

Pinellas County is served by the Area Agency on Aging of Pasco-Pinellas, (727) 570-9696.

While you wait

Waits for home and community services can be long, and dementia does not pause. Many families pay privately for a few hours of help a week in the meantime, check state-funded programs such as the Alzheimer’s Disease Initiative and Community Care for the Elderly, and look at VA benefits if a veteran is involved. Keep notes on changes in your loved one’s condition so you can update the ADRC. Our paying for dementia care overview lists every option.

Dementia Companions is a private-pay service and does not bill Medicaid. This page is general information and not legal or benefits advice.

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  • Screened for dementia care experience
  • Florida ADRD training before the first visit
Does Florida Medicaid pay for in-home care for dementia?

Yes, through the SMMC Long-Term Care program, which covers services such as adult companion care, homemaker, personal care, respite and adult day health care. Space for home and community services is limited, so there is usually a waitlist.

What are the Florida Medicaid income and asset limits for long-term care in 2026?

DCF’s April 2026 standards list a $2,982 monthly income limit and a $2,000 asset limit for one person ($5,964 and $3,000 for a couple). Rules for spouses, homes and income above the limit are complex, so consider an elder law attorney.

How do I get on the Florida Medicaid long-term care waitlist?

Call your local Aging and Disability Resource Center or the Elder Helpline at 1-800-963-5337 for a phone screening. Your screening sets a priority rank for the waitlist. If your loved one’s condition changes, let the ADRC know.

Can a family member be paid to care for my parent under Florida Medicaid?

Possibly. The Participant Direction Option lets eligible enrollees living at home hire their own worker, including family members or friends who meet minimum qualifications, for services such as companion care, homemaker and personal care. A person serving as the enrollee’s representative cannot also be the paid worker.

Does Medicaid long-term care cover memory care in assisted living?

Assisted living is on AHCA’s list of covered long-term care services. Ask the health plan which facilities it works with and what costs the family will still owe.

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