Quick answer: Tennessee Medicaid (TennCare) covers long-term care through TennCare CHOICES, which pays for qualifying nursing facility stays and home- and community-based services. CHOICES has three groups, based on age, disability and level of care.

Tennessee's Medicaid program is called TennCare, and its main long-term-services vehicle for older adults and adults with physical disabilities is TennCare CHOICES in Long-Term Services and Supports. CHOICES covers qualifying nursing-facility stays as well as qualifying services delivered in a home or community setting.

The eligibility structure isn't one simple senior benefit — it's split into three groups. Group 1 covers people of any age who receive nursing-facility care. Group 2 covers adults with physical disabilities age 21 or older, plus people 65 and older, who meet nursing-facility level of care but choose home- and community-based services instead. Group 3 serves people who are at risk of needing nursing-facility care but aren't there yet, as long as home care keeps them from reaching that point.

Sources and official resources

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

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