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Oklahoma Medicaid Income Limits for Long-Term Care (2025)

 
 
 
 
 
 
 
 
 
 
 
 
 
Institutional / Nursing Home Medicaid & Home and Community-Based Services (HCBS) Waivers

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These programs provide long-term care either in a nursing facility or through services at home or in the community.

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  • Single Applicant:

    • Income Limit: $2,901 per month

    • Asset Limit: $2,000

  • Married Couple (One Spouse Applying):

    • Applicant Income Limit: $2,901 per month

    • Applicant Asset Limit: $2,000

    • Non-Applicant Spouse Asset Allowance: A portion of the couple’s assets up to $157,920

  • Married Couple (Both Spouses Applying):

    • Income Limit: $5,802 per month (combined)

    • Asset Limit: $3,000

 

Note: When only one spouse applies, only the applicant's income is considered. The non-applicant spouse may be entitled to a portion of the applicant's income to prevent impoverishment, known as the Monthly Maintenance Needs Allowance (MMNA). In 2025, the MMNA in Oklahoma is $3,948.

 

 

💡 What Counts as Income?

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Medicaid considers most income sources, including:

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  • Employment and wages

  • Social Security benefits

  • Pension payments

  • IRA and 401(k) withdrawals

  • Dividends and interest

  • Rental income

 

Exclusions: Certain payments, such as Holocaust restitution, are not counted as income. 

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⚖️ Exceed The Income Limit?

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Oklahoma is an "income cap" state, meaning that individuals with income exceeding the limit cannot qualify for Medicaid long-term care benefits unless they establish a Qualified Income Trust (QIT), also known as a Miller Trust. This trust allows excess income to be set aside and not counted towards eligibility. A QIT has to be managed correctly and the accumulated income in the trust is eventually paid to the Oklahoma Health Care Authority.

 

 

📝 Need Assistance?

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Navigating Medicaid eligibility can be complex. If you or a loved one are considering applying for Medicaid in Oklahoma, consulting with an experienced Medicaid law attorney can provide guidance tailored to your specific situation. Your family deserves the dignity of preserving assets and income you worked so hard to accumulate – don’t let long-term care costs leave you with nothing.

 

Contact us for a free consultation to ensure you're making informed decisions about long-term care planning.

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