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Medicaid Planning · Montana

Montana Long-term-care Medicaid eligibility

Long-term-care Medicaid eligibility rules for Montana.

Published: September 4, 2026. Last checked: September 5, 2026.

Income limits

Institutional long-term-care income test

No fixed gross-income cap; the applicant is income eligible when monthly nursing-home costs equal or exceed monthly income

Applies to the applicant under the institutional long-term care pathway for nursing-home services. This is an allowance. Details: otherwise eligible institutionalized applicant.

Source: Montana DPHHS ABD 013, Income Standards [state-medicaid-agency] — Effective January 1, 2026

Asset limits

Applicant resource limit

$2,000

Applies to the applicant under the institutional long-term care pathway for institutional services. This is a cap. Details: unmarried institutionalized person or institutionalized spouse.

Source: Montana DPHHS CMA 001, Resource Standards [state-medicaid-agency] — Effective January 1, 2026

Community spouse resource allowance (CSRA)

Community-spouse resource allowance

$32,532 minimum to $162,660 maximum

Applies to the community spouse under the spousal impoverishment pathway for institutional services. This is a range. Details: institutionalized applicant with a community spouse; half-of-combined-resources calculation subject to adjustment.

Source: Montana DPHHS CMA 001, Resource Standards [state-medicaid-agency] — Effective January 1, 2026

Monthly maintenance needs allowance (MMMNA)

Community-spouse minimum monthly maintenance-needs allowance

$2,705 per month

Applies to the community spouse under the spousal impoverishment pathway for institutional services. This is a minimum. Details: institutionalized applicant with a community spouse; allowable shelter expenses may increase the actual allowance.

Source: CMS 2026 minimum maintenance-needs standards [cms] — Minimum maintenance-needs amounts effective July 1, 2026

Community-spouse maximum monthly maintenance-needs allowance

$4,067 per month

Applies to the community spouse under the spousal impoverishment pathway for institutional services. This is a maximum. Details: institutionalized applicant with a community spouse.

Source: Montana DPHHS ABD 013, Income Standards [state-medicaid-agency] — Effective January 1, 2026

Home-equity limits

Home-equity limit

$752,000

Applies to the applicant under the institutional long-term care pathway for nursing-facility and waiver services. This is a cap. Details: applicant without a spouse or qualifying minor or disabled child in the home.

Source: Montana DPHHS CMA 402.1, Resource Treatment [state-medicaid-agency] — Effective January 1, 2026

Sources

Methodology & sources

Checked at least annually and whenever the state or CMS publishes new long-term-care eligibility figures.

General information, not legal advice.