---
title: "Maryland Medicaid Long-Term Care | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/maryland/medicaid-long-term-care/
description: "How Maryland Medical Assistance covers institutional care and HCBS through its long-term-services pathways."
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.
---
Maryland · Medicaid Program

# Maryland Medicaid Long-Term Care

Last updated 2026-10-20

Maryland Medical Assistance is the official name behind what most families just call "Maryland Medicaid." The program's coverage-group guide breaks long-term-care applicants into several distinct buckets: SSI recipients already receiving long-term care, an aged/blind/disabled long-term-care group, a version of that same group that qualifies through spend-down, and a separate track for people enrolled in an HCBS waiver or PACE. Which bucket someone lands in shapes the financial rules and the managed-care status that follow.

The spend-down bucket deserves special attention because it's easy to miss. Maryland's guide explicitly lists an "ABD Long Term Care With Spend-down" group, and the state's 2026 appendix schedules set medically needy income standards at $350 a month for one person and $392 for two. Those numbers aren't a nursing-home bill — they're the threshold used to work out medically needy eligibility and how much a household needs to spend down before assistance kicks in.

## Maryland figures

- Medically needy income standard (one person): $350/month
- Medically needy income standard (two people): $392/month

## Sources and official resources

- [Maryland Department of Health: Nursing Facility Residents, Recipients and Families](https://health.maryland.gov/mmcp/longtermcare/pages/nursing-facility-residents,-recipients-and-family-members.aspx)
- [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.

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