Medicaid Countable Resources
Check whether assets exceed Florida’s 2025 limits and preview community spouse protections.
Enter applicant assets
Total Countable Assets: $0.00
Asset limits & spousal standards per CMS 2025 bulletin; Florida PNA references DCF materials. See sources at bottom of page.
Medicaid Transfer Penalty
Estimate ineligibility period for uncompensated transfers (Florida 2025 divisor).
Penalty: 0 months and 0 days
Florida converts fractional months to days by multiplying by 30.
- Penalty generally starts when the applicant is otherwise eligible and receiving institutional level of care.
- Exceptions and cures (e.g., return of assets) may reduce or eliminate penalties.
Divisor per Florida DCF/ESS references; see sources below.
Income Cap & QIT Checker
Florida uses a strict income cap for ICP and many HCBS waivers. If gross income exceeds $/mo, a Qualified Income Trust (QIT) is usually required.
Enter income to check against the cap.
Note: Premiums don't change the cap, but they reduce patient responsibility.
MMMNA & Spousal Diversion (Community Spouse)
Estimate the Minimum Monthly Maintenance Needs Allowance (MMMNA) and potential diversion from the institutionalized spouse to the community spouse.
MMMNA (2025): $0.00
Potential spousal diversion: $0.00
Formula: min(cap, base + max(0, shelter - housing allowance)).
Patient Responsibility (Nursing Home ICP)
Estimate the monthly patient responsibility once eligible: gross income minus PNA, insurance premiums, and any spousal diversion.
Personal Needs Allowance (PNA, 2025): $0.00
Estimated monthly patient responsibility: $0.00
Assumes nursing facility ICP budgeting. Waiver programs differ.
Home Equity Test
Florida applies a home equity cap for certain applicants. If a spouse or a dependent/disabled child resides in the home, the cap does not apply.
Enter home equity to check against the cap.
Cap shown uses Florida's 2025 minimum option.
Sources (2025)
- CMS: Updated 2025 SSI and Spousal Impoverishment Standards (May 28, 2025).
- Florida DCF ESS Manual: Appendix A-8 Transfer Penalty Determination Process and SSI-Related Medicaid Fact Sheets.
- AHCA: Florida Nursing Home Estimated Average Private Pay Rate 2025.
- Florida Statutes: F.S. 733.6171 (attorney compensation schedule).
These tools are for education only and do not constitute legal advice.