---
title: "Indiana Medicaid Look-Back Period | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/indiana/medicaid-look-back-period/
description: "Indiana's five-year transfer review and the need to verify the currently published facility-rate divisor before calculating a penalty."
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.
---
Indiana · Look-Back & Penalties

# Indiana Medicaid Look-Back Period

Last updated 2026-10-20

**Quick answer:** Indiana Medicaid reviews gifts and below-market sales made in the 60 months (5 years) before a long-term care application. Transfers in that window can cause a period when Medicaid won't pay for care.

Indiana applies a 60-month — five-year — look-back to uncompensated transfers before approving long-term-care Medicaid. Any gift, or any sale made for less than fair market value, that falls inside that window can trigger a period during which Medicaid won't pay for otherwise-covered long-term-care services.

This isn't a gift-tax exercise. The real question is whether a resource was transferred for less than it was worth, and if so, whether a recognized Medicaid transfer rule or exception applies to excuse it. That's exactly why records matter so much here — documentation of value, payment, any related care arrangements, bank transfers, deeds, and the date of each transaction can make or break a look-back review.

## Indiana figures

- Look-back period: 60 months

## Sources and official resources

- [Indiana Medicaid: Eligibility Guide](https://www.in.gov/medicaid/members/apply-for-medicaid/eligibility-guide/)
- [U.S. Code: 42 U.S.C. § 1396p (liens, estate recovery, transfers of assets, Partnership disregard)](https://www.law.cornell.edu/uscode/text/42/1396p)

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

[← Back to the full Indiana guide](https://fundingltcmarketplace.com/states/indiana/)