Quick Answer
In Georgia, a single person generally qualifies for nursing-home Medicaid with monthly income at or below $2,982/month and countable assets at or below $2,000 (Effective March 1, 2026). A spouse who stays at home is protected separately. Every figure below is sourced; rules change, so verify with the state before you act.
Georgia Medicaid Nursing-Home Limits at a Glance (2026)
These are the headline numbers for a single applicant seeking long-term nursing-home coverage. Each card cites its source and the date it applies.
Georgia is an income-cap state; the nursing-home income limit equals 300% of the SSI federal benefit rate ($5,964 for a couple). Applicants over the cap can qualify using a Qualified Income Trust (Miller Trust).
Effective March 1, 2026. Source: Georgia Medicaid (DCH) — 2026 Financial Limits, All Programs (accessed 2026-07-05).
$3,000 for a couple. The community spouse is protected separately up to the federal maximum of $162,660.
Effective March 1, 2026. Source: Georgia Medicaid (DCH) — 2026 Financial Limits, All Programs (accessed 2026-07-05).
The community spouse keeps half the couple's countable assets between $32,532 and $162,660.
2026. Source: CMS/CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026) (accessed 2026-07-05).
Georgia reviews the 60 months before the application for below-value transfers, which create a penalty period.
2026. Source: American Council on Aging — Georgia Medicaid Eligibility (secondary) (accessed 2026-07-05).
How eligibility works in Georgia
Georgia is what's called an “income cap” state. To qualify for nursing-home Medicaid, a single applicant's countable monthly income generally must be at or below $2,982/month — the figure set at 300% of the federal Supplemental Security Income benefit rate.
Being over the cap does not automatically disqualify you. Applicants with income above the limit can usually still qualify by placing the excess into a Qualified Income Trust (often called a “Miller Trust”), an irrevocable trust that names the state as remainder beneficiary. This is a common, legitimate step — but it must be set up correctly, which is one reason many families work with an elder-law attorney.
On the asset side, a single applicant may keep up to $2,000 in countable assets. Certain assets are exempt and do not count — most importantly the primary home (within an equity limit, and generally only while you, a spouse, or a dependent live there or you intend to return), one vehicle, personal belongings, and a modest burial fund. Money and investments above the limit generally must be “spent down” on care or other allowed purchases before Medicaid begins.
Protecting the spouse who stays home
A common fear is that one spouse entering a nursing home will leave the other with nothing. Federal “spousal impoverishment” rules exist specifically to prevent that, and Georgia applies them.
- Protected assets (the CSRA). The at-home spouse — called the “community spouse” — may keep the couple's countable assets up to $32,532–$162,660. This is the Community Spouse Resource Allowance.
2026. Source: CMS/CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026) (accessed 2026-07-05).
- Protected income (the MMMNA). The community spouse is guaranteed enough monthly income to reach up to $2,705.00–$4,066.50/month, drawn if necessary from the institutionalized spouse's income before any patient contribution is calculated. This is the Minimum Monthly Maintenance Needs Allowance.
2026 (minimum effective 7/1/2026). Source: CMS/CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026) (accessed 2026-07-05).
- The home. The family home is generally an exempt asset while the community spouse lives there, and selling it can turn an exempt asset into countable cash at the worst possible moment — talk to an elder-law attorney first.
These protections apply only to married couples where one spouse needs care and the other remains in the community. The exact amount a community spouse keeps depends on the couple's finances and is calculated by the state at application.
The look-back period
When you apply for nursing-home Medicaid, Georgia reviews your finances over a 60 months “look-back” window. Gifts or transfers made for less than fair market value during that period — for example, giving money to family or selling a house to a relative cheaply — can trigger a penalty period during which Medicaid will not pay for your care.
Georgia reviews the 60 months before the application for below-value transfers, which create a penalty period.
Why this matters: well-meaning transfers made to “protect” assets can backfire and delay coverage. Legitimate planning strategies exist, but they are time-sensitive and state-specific. If you are within five years of possibly needing nursing-home care, review any large gifts or asset transfers with a certified elder-law attorney before you make them.
2026. Source: American Council on Aging — Georgia Medicaid Eligibility (secondary) (accessed 2026-07-05).
Georgia's long-term care program
Once someone qualifies financially and is confirmed to need a nursing-home level of care, Georgia delivers long-term care through Fee-for-service nursing-facility Medicaid; CCSP and SOURCE waivers (HCBS).
Georgia's nursing-facility long-term care and its aged, blind, and disabled population are delivered fee-for-service, not through Georgia Families managed care (which covers families and children). The Community Care Services Program (CCSP) and SOURCE waivers, under the Elderly & Disabled Waiver Program, are the home- and community-based alternatives to a nursing home.
2026. Source: Georgia Medicaid (DCH) — Waiver Programs (accessed 2026-07-05).
Many families also want to know whether the same Medicaid funding can pay for care at home instead of in a facility. It often can, through home- and community-based services, though those programs can have waiting lists where nursing-home coverage does not. As of 2026, PACE (the Program of All-Inclusive Care for the Elderly) is not yet operating in Georgia.
How to apply for nursing-home Medicaid in Georgia
Applications go through Georgia Department of Community Health, through the county Division of Family and Children Services (DFCS). Apply online through Georgia Gateway or in person at your county Division of Family and Children Services office.
You can apply online here: https://gateway.ga.gov/access/.
2026. Source: Georgia Medicaid (DCH) — How to Apply / Basic Eligibility (accessed 2026-07-05).
What you'll typically need
- • Proof of identity, U.S. citizenship or qualified immigration status, and residency
- • Social Security number and Medicare card (if enrolled)
- • Recent income records (Social Security, pension, and other income)
- • Bank statements and records of assets — often for the full look-back period
- • Records of any property transfers or gifts in the look-back window
- • A physician's statement or level-of-care assessment showing nursing-home-level need
Financial eligibility and the medical level-of-care review are usually handled by different offices, so expect two parallel determinations. Apply early — before savings run out — because processing can take several weeks.
A note on estate recovery
Federal law requires every state to run a Medicaid Estate Recovery Program. Georgia operates a Medicaid Estate Recovery Program, administered by the Department of Community Health, that recovers long-term-care and home- and community-based costs from the estates of deceased members 55 or older, while exempting estates valued at $25,000 or less and deferring recovery while a spouse or qualified child lives in the home.
Source: Georgia Medicaid (DCH) — Medicaid Estate Recovery (accessed 2026-07-05).
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Start Free Facility Search →Important: this is educational, not advice
This guide is general educational information, not legal or financial advice. Medicaid rules change frequently and are applied case by case. Do not make gifts, transfer property, or spend down assets based on this page alone.
- • Verify current rules with the state. Confirm the figures above with Georgia Medicaid before you act.
- • Consider a certified elder-law attorney. For spend-down strategies, trusts, and spousal planning, find one through the National Academy of Elder Law Attorneys (NAELA).
- • Free help exists. Your local Area Agency on Aging and State Health Insurance Assistance Program (SHIP) can walk you through options at no cost.
Keep reading
Medicaid nursing-home guides for other states
Rules differ by state. Compare all of our state guides on the Medicaid & nursing homes hub.