---
title: "Florida Medicaid Long-Term Care: ICP & SMMC LTC Explained"
url: https://fundingltcmarketplace.com/states/florida/medicaid-long-term-care/
description: "How Florida's Institutional Care Program (ICP) and Statewide Medicaid Managed Care LTC program pay for nursing home, assisted living and in-home care."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
Florida · Medicaid Program

# Florida Medicaid Long-Term Care

Last updated 2026-10-20

**Quick answer:** Florida Medicaid pays for long-term care through two programs with the same eligibility rules. The Institutional Care Program (ICP) covers nursing facility stays, and the Statewide Medicaid Managed Care Long-Term Care program (SMMC LTC) covers home care, adult day care, assisted living services and nursing facility care.

There isn't one single "Florida Medicaid long-term care" program — there are two delivery arms sitting on top of the same eligibility rules. The Institutional Care Program, or ICP, is what pays for a stay in a licensed Florida nursing facility.

Sitting alongside it is the Statewide Medicaid Managed Care Long-Term Care program, or SMMC LTC, which is the managed-care engine that actually distributes benefits — everything from in-home aides and adult day programs to assisted living services and nursing facility stays itself. Both pathways draw on the same financial and medical eligibility tests, according to the Agency for Health Care Administration's description of the SMMC Long-Term Care Program.

## Questions and answers

### What is Florida ICP Medicaid?

The Institutional Care Program pays for a stay in a licensed Florida nursing facility.

### What is SMMC LTC?

The Statewide Medicaid Managed Care Long-Term Care program is the managed care program that delivers benefits, including in-home aides, adult day programs, assisted living services and nursing facility stays.

### Do ICP and SMMC LTC have different eligibility rules?

No. Both use the same financial and medical eligibility tests, according to the Agency for Health Care Administration.

## Sources and official resources

- [Florida DCF: ESS Program Policy Manual](https://www.myflfamilies.com/services/public-assistance/additional-resources-and-services/ess-program-manual/)
- [CMS: 2026 SSI and Spousal Impoverishment Standards](https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf)

Rules and figures change. Confirm current details with the agency before you act.

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