The Medicaid program that’s jointly funded by the federal and state governments provides essential health care coverage for low-income Americans of all ages. Each state administers its own program according to federal regulations.
The Tennessee program called TennCare provides coverage for one-fifth of the state population, including over 375,000 blind, disabled and elderly individuals. Those who qualify receive a wide range of benefits, including:
- Primary and specialist care
- Inpatient, outpatient and emergency hospital services
- X-rays, lab work and other diagnostic tests
- Preventive care
- Prescription medications
- Ambulance and nonmedical transportation
- In-home and community-based care
- Long-term nursing home care
Qualifying for TennCare for Long-Term Care To qualify for long-term care through TennCare, Rutherford County residents must be American citizens or legal immigrants and aged 65 or older. Adults aged 21 or older who are disabled or blind can also qualify. Those who meet the eligibility requirements for federal
Supplemental Security Income benefits automatically receive TennCare coverage.
Applicants must also meet the program’s financial criteria:
- A maximum monthly income of $2,313 as an individual or $4,626 as a couple
- No more than $2,000 in countable assets if single or $4,000 if married and applying with a spouse
Income from all sources counts toward the limits, but some assets are excluded, such as one vehicle, personal effects, a primary home, household furnishings and burial trusts.
When only one spouse of a married couple applies, the non-applicant’s income is disregarded. They may also be entitled to up to $3,160.50 of the applicant’s monthly income and up to $126,420 of the couple’s jointly owned assets, based on federal laws to prevent
spousal impoverishment.
Qualified Income Trust Seniors who meet the TennCare eligibility guidelines but exceed the income limit may qualify by setting up a
Qualified Income Trust. The state allows applicants to deposit their excess income into such an account so it can be disregarded for Medicaid eligibility purposes. Deposited funds may only be withdrawn to pay TennCare approved medical and long-term care expenses.
Rutherford County residents can
complete an online application or call (855) 259-0701 to learn more about TennCare or apply by phone.
CHOICES in Long-Term Services and Supports Waiver The
CHOICES waiver program offers TennCare-eligible seniors and disabled adults an alternative to nursing home admission. Those who qualify may receive all-inclusive medical and long-term care coverage in a community setting, such as their own home, an adult care home or assisted living facility.
To qualify, Rutherford County residents must enroll in TennCare and be assessed as needing a nursing home level of care. They also must be deemed physically and cognitively capable of living in the community with waiver-covered support services, which may include:
- Help performing normal activities of daily living
- Benefits counseling
- Medication administration
- Housekeeping and laundry
- Prepared meals and snacks
- Assistive technologies
- Transportation
Interested seniors who aren’t already enrolled in TennCare can apply
online or by phone at (855) 259-0701. To begin the application process for the CHOICES waiver, seniors can call the
Council on Aging of Middle Tennessee at (615) 353-4235.