Medicaid is a vital resource for seniors needing long-term care. However, the income and asset rules are strict. These limits can cause issues for married couples when one spouse requires Medicaid assistance while the other doesn’t. Fortunately, spousal impoverishment protections have provisions for the community spouse’s Minimum Monthly Maintenance Needs Allowance (MMMNA). This post will answer common questions concerning MMMNA in Florida.
FAQs for MMMNA in Florida
What is the MMMNA?
The MMMNA is a Medicaid provision that protects income for community spouses when their partner needs long-term care. The intention is to prevent financial hardship by ensuring the individual has enough income to cover living expenses.
Does MMMNA Also Apply to Regular Medicaid?
No, the Minimum Monthly Maintenance Needs Allowance is not for when a spouse needs regular Medicaid. Spousal impoverishment rules are typically for when one spouse requires Medicaid support for long-term care. That may include care at a skilled nursing facility or Home and Community-Based Services (HCBS).
What are the Current Minimums and Maximums for MMMNA?
As of 2025, the MMMNA minimum in Florida is a monthly income of $2,555. The current maximum in Florida is $3,948. These figures align with the federal limits set for minimums and maximums. However, these numbers may vary in other states. It is also important to note that minimums and maximums change annually.
How Do You Calculate Your MMMNA?
Under spousal impoverishment rules, the applicant’s income typically counts toward Medicaid. The community spouse can keep their income to fund their living expenses. If the community spouse’s income falls below the minimum, MMMNA rules kick in. Consequently, the individual can keep some of the applicant’s spouse’s income to put them within the MMMNA limits.
What if the Community Spouse has High Housing Costs?
Medicaid may allow for an additional housing allowance if the community spouse has high housing costs. Expenses they may consider include mortgage payments, rent, insurance, and property taxes. If these expenses exceed a threshold, Medicaid may allow for an increase to the MMMNA. Similarly, Medicaid may also allow for an additional increase if the spouse has high utility costs.
Are There Other Ways to Get Increases to the MMMNA?
Sometimes, the MMMNA may still not be enough to cover the community spouse’s living expenses. These individuals can file an appeal for a Medicaid Fair Hearing. During this process, the spouse can request an increase in their MMMNA by demonstrating financial hardship. It must be for necessary expenses, and applicants must provide documentation. The total amount of the MMMNA can only increase to the maximum limit.
Working with a Medicaid planning expert can help you manage issues concerning eligibility and spousal protection. They may also help couples develop strategies to protect assets and income from Medicaid. Working with these professionals can ensure both spouses get what they need.
Do you need help with Medicaid planning? Click here to contact the Scott Law Offices. Our team understands Florida Medicaid and is ready to help you navigate these complex rules. Reach out now to learn more about how we can help.
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