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Nursing Homes in Maryland
Finding Care in Maryland
Searching for nursing home care in Maryland—whether in Baltimore, the DC suburbs, Annapolis, or the Eastern Shore—is emotionally draining. You're probably feeling guilty, overwhelmed by the complexity of the healthcare system, and worried about costs in a relatively expensive state. Please take a breath. Choosing professional nursing care when your loved one needs 24/7 medical support is not abandonment—it's making sure they're safe and getting the specialized care they need.
Maryland has approximately 230 skilled nursing facilities, regulated by the Office of Health Care Quality. Many facilities specialize in memory care, post-acute rehabilitation, or complex medical needs. Maryland nursing homes serve diverse communities, including facilities with kosher kitchens, staff speaking Spanish or Korean, and culturally appropriate care.
Costs in Maryland are above the national average, especially in the DC suburbs and Baltimore metro area. Maryland Medicaid covers nursing home care for eligible individuals, and most facilities accept Medicaid—though many require an initial private-pay period. Maryland has strong consumer protections and an active ombudsman program.
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Medicaid Coverage in Maryland
Many families need help paying for nursing home care. Medicaid is a vital resource, but the rules vary by state. Here's what you need to know about Medicaid nursing home coverage in Maryland.
Eligibility Requirements
Monthly Income Limit:
$2,982 (2026); Maryland uses an income cap, but those above can establish a Qualified Income Trust (QIT)
$2,982 (2026); Maryland uses an income cap, but those above can establish a Qualified Income Trust (QIT)
Asset Limit:
$2,500 for individuals, with home and one vehicle typically exempt. Generous spousal protections.
$2,500 for individuals, with home and one vehicle typically exempt. Generous spousal protections.
Processing Time:
45-75 days depending on completeness
45-75 days depending on completeness
How to Apply
Apply through the Maryland Department of Health or your local Department of Social Services. You can apply online at mydhrbenefits.dhr.state.md.us. You'll need financial documents, medical records, and citizenship proof.
Important Tips for Maryland Families
- •Maryland has relatively generous spousal protections—work with a Maryland elder law attorney to maximize asset retention for a community spouse.
- •Many Maryland facilities require 60-90 days of private pay before accepting Medicaid. Confirm policies during tours.
- •Maryland has Medicaid estate recovery, but exemptions exist for surviving spouses, disabled children, and caretaker children.
- •Veterans in Maryland should apply for VA Aid & Attendance benefits, providing up to $2,424/month.
- •Maryland's asset limit ($2,500) is slightly higher than most states, which helps more people qualify.
Nursing Home Costs in Maryland
$320-$480/day average
Monthly Range: $9,600-$14,400
Maryland nursing home costs are above the national average. DC suburbs (Montgomery, Prince George's counties) and Baltimore metro are most expensive. Medicare covers skilled nursing for up to 100 days post-hospitalization. Maryland Medicaid covers long-term care for eligible residents.
Medicare Coverage: Medicare Part A covers skilled nursing facility care for up to 100 days following a qualifying hospital stay (3+ days). Days 1-20 are fully covered; days 21-100 require a copay ($217/day in 2026).
Maryland Resources & Advocacy
Oversight & Complaints
Maryland Long-Term Care Ombudsman Program
1-800-243-3425Visit website →
The ombudsman helps resolve complaints and advocates for nursing home residents' rights.
Maryland Office of Health Care Quality
View inspection reports →Support & Guidance
Maryland Department of Aging
1-800-243-3425Visit website →
Area agencies on aging provide care planning, caregiver support, and benefit counseling.
Medicare Nursing Home Compare
medicare.gov/care-compare →Planning Your Next Steps
Ready to Find the Right Facility?
Use our personalized navigator to find facilities that match your loved one's needs, insurance, and location in Maryland.
Start Navigator Tool →Disclaimer: This guide is educational only. SunsetWell scores are based on CMS data and peer-group analysis. Medicaid eligibility rules change frequently—always verify current requirements with your state Medicaid office. Always tour facilities personally, speak with staff, review current state inspection reports, and consult healthcare professionals before making placement decisions.
Last updated: June 2026 | Data source: CMS Nursing Home Compare, Maryland Office of Health Care Quality, SunsetWell Analysis