Created in 1968, Medicaid is a jointly funded state and federal health care insurance program for low-income Americans. Called SoonerCare in Oklahoma, it is administered by the state’s Department of Human Services. While Soonercare covers many of the costs associated with long-term care, other options, including assisted living, are available through the state’s home and community-based waivers. These are explained in more detail below. Medicaid is available to Oklahoma residents and U.S. citizens who have annual incomes of $26,244 or less and total assets of $2,000 or less. Medicaid counts all possible forms of income, and these include but are not limited to pensions, wages, Social Security Insurance, stock dividends and IRA withdrawals. Countable assets consist of bank accounts, stocks, bonds, investments, cash and real estate, aside from a primary residence occupied by either the applicant or spouse. Further exemptions include burial costs, an automobile, personal belongings and household furniture. Individuals whose incomes exceed the limitations may be eligible to establish a Qualified Income Trust. According to the American Council on Aging, strict rules determine the governing of Income Only Trusts. Funds can only be spent on expenses related to long-term care, and any remaining balance after the recipient’s passing must be paid to the state of Oklahoma. To learn more about SoonerCare in Oklahoma, call the helpline at (800) 987-7767 or complete the online application. ADvantage Waiver Program One of two home and community-based waivers available for seniors in Oklahoma City, the ADvantage Waiver Program serves those who qualify for SoonerCare, are 65 or older and are determined to be disabled by the Social Security Administration. Further, the nursing staff of the Aging Services Division must determine that applicants need a nursing facility level of care. Recipients of the waiver are entitled to many services that enable them to live in their home or a family member’s home. These services include skilled nursing, therapies, adult day care, home-delivered meals and environmental modifications. Those who wish to apply or learn more should call the Oklahoma Health Care Authority at (405) 522-7300. Medically Fragile Waiver Seniors under 65 who are frail and need a skilled nursing level of care may be eligible for Oklahoma’s Medically Fragile Waiver. Included services are very similar to those provided under the ADvantage Waiver, including meals, environmental modifications and skilled nursing, and applicants must also be eligible for Medicaid. Interested individuals can apply online or receive assistance by calling (888) 287-2443 or emailing info@oklivingchoice.org.