Georgia Medicaid Long-Term Care (2026): Nursing Home, Waivers, PACE

Georgia Medicaid pays for long-term care in a nursing home, or at home or in an assisted living community through a Medicaid waiver or the PACE program. Georgia runs four Section 1915(c) home and community-based services (HCBS) waivers plus PACE, all for people who need care that lasts longer than a short hospital or rehab stay and who meet both a level-of-care test and a financial test. Which door you walk through depends on the person's age, disability, and where they want to receive care, and each program has its own intake line and its own waitlist.

Key Takeaways

Six doors, built on four HCBS waivers. Nursing Facility Medicaid; the Elderly and Disabled Waiver Program (EDWP), which you enter as either CCSP or SOURCE; the Independent Care Waiver Program (ICWP) for working-age adults with severe physical disabilities; the NOW and COMP waivers for intellectual and developmental disabilities; and PACE. CCSP and SOURCE are delivery models inside EDWP, not separate waivers.
The financial eligibility rules are the same across every program. In 2026 a single applicant needs monthly income at or below the Special Income Limit of $2,982 (300% of the $994 SSI Federal Benefit Rate) and countable assets at or below $2,000, the SSI resource standard, with a 60-month look-back on transfers. The home equity limit, which starts at $752,000, applies only to an applicant with no spouse and no minor or disabled child living in the home.,
Two level-of-care standards decide which program fits. Nursing Facility Level of Care for nursing homes, CCSP, SOURCE, ICWP, and PACE; the ICF/IID standard for NOW and COMP.
Intake differs by program. Older adults call Georgia's aging and disability line at 1-866-552-4464; NOW/COMP families call DBHDD at 1-800-436-7442; ICWP runs through Alliant Health Solutions at 1-800-982-0411; nursing facility intake runs through the facility plus a pre-admission screening.
Waitlists are real, and Georgia Medicaid does not pay spouses. CCSP, NOW, and COMP carry waitlists, while SOURCE usually has none and nursing facility Medicaid is a no-waitlist entitlement. An adult child can be paid through Structured Family Caregiving, but a spouse cannot.

How Georgia Medicaid Long-Term Care Financial Eligibility Works

Georgia did not adopt Medicaid expansion, so most adults qualify for Medicaid in Georgia through a category (age 65 or older, blind, or disabled) rather than on income alone. For long-term care, the income, asset, and home rules below apply the same way whether the care is delivered in a nursing facility, through an HCBS waiver, or through PACE.

Income: the Special Income Limit and the Miller Trust

For 2026, a single applicant must have monthly income at or below $2,982, the institutional income limit Georgia publishes in DFCS Appendix A1 and 300 percent of the $994 monthly Supplemental Security Income (SSI) Federal Benefit Rate. If your income is higher, you can still qualify by routing the excess through a Qualified Income Trust, known in Georgia as a Miller Trust, under 42 U.S.C. 1396p(d)(4)(B). See our Miller Trust guide for how the account is set up and run.

Assets and the transfer look-back

The countable asset limit is the SSI resource standard, which Georgia's DFCS Appendix A1 publishes as $2,000 for a single applicant and $3,000 for a couple. Georgia applies the federal 60-month look-back on uncompensated asset transfers made before the application., Gifts or below-value transfers inside that window can trigger a penalty period of ineligibility. Our guides to asset spend-down and the transfer-of-asset penalty walk through what counts and what is exempt.

The home and the home equity limit

The primary residence is an exempt asset and is not counted against the $2,000 limit while you or a spouse lives there. A separate federal home equity limit can block long-term care coverage, but it does not apply at all when your spouse, your child under 21, or your blind or permanently and totally disabled child of any age is lawfully living in the home; in that case the home is exempt no matter how much equity it holds, under 42 U.S.C. 1396p(f)(2). The limit constrains the applicant who has no such relative at home and is relying on an intent to return. For 2026 it starts at the federal minimum of $752,000, and a state may elect a standard as high as $1,130,000. For homes not on agriculturally zoned land, that limit becomes a flat $1,000,000 on January 1, 2028 under Public Law 119-21; homes on agriculturally zoned lots stay under the indexed rules. After the recipient's death, the home can be subject to Georgia's estate recovery program if it passes through probate, as explained in our estate recovery guide.

Spousal protections

When one spouse needs care and the other stays in the community, the federal spousal impoverishment rules at 42 U.S.C. 1396r-5 protect the at-home spouse from being left destitute. The community spouse keeps the couple's home plus a Community Spouse Resource Allowance of between $32,532 and $162,660 in 2026, while the spouse receiving care keeps $2,000., Our spousal impoverishment guide shows how the resource allowance and the monthly income allowance are calculated.

In a nursing facility, a Medicaid resident keeps a Personal Needs Allowance of $70 per month, plus enough income to pay health-insurance premiums such as the $202.90 Medicare Part B premium, and contributes the rest of their income to the facility as patient liability., HCBS waiver participants keep a larger maintenance allowance, because community living means paying rent, utilities, and food, so their monthly cost share is typically small or zero. See our deeper guides to the Personal Needs Allowance and to patient liability and the cost of care.

Nursing Facility Medicaid

Nursing Facility Medicaid is the institutional option: long-term care in a Medicaid-certified nursing facility, where the state pays the facility's daily rate for room, board, nursing care, therapy, medications, and personal care. It is an entitlement, which means every applicant who qualifies is covered with no waitlist.

To qualify, a person must meet Nursing Facility Level of Care and the financial rules above. The level-of-care need is confirmed through a pre-admission screening at admission and through ongoing functional assessments. That same screening also checks for serious mental illness or intellectual and developmental disabilities, so that someone who could be served in the community is not placed in an institution by default. Our guides to the nursing facility level of care and the pre-admission screening process explain the standards in detail.

Nursing facility coverage includes a semi-private room, 24-hour skilled nursing, personal care, medication administration, therapy, social services, activities, and meals. It excludes a private room unless medically necessary, private-duty nursing, and personal items the resident is expected to buy from the Personal Needs Allowance. Intake begins with the nursing facility itself; you can confirm a facility's certification through the Georgia Department of Community Health (DCH) Healthcare Facility Regulation Division. A long-term care hospital is easy to confuse with a nursing home, but it is a distinct hospital type rather than a nursing facility; our guide to long-term care hospitals in Georgia explains how an LTCH stay differs. For a nursing-home-specific walkthrough, see our Georgia Medicaid nursing home guide.

Community Care Services Program (CCSP)

The Community Care Services Program (CCSP) is one of the two service-delivery models inside Georgia's Elderly and Disabled Waiver Program (EDWP), the Section 1915(c) waiver that covers home care for frail older adults and adults with disabilities. CCSP is not a separate waiver. It serves people age 21 and over who meet Nursing Facility Level of Care but want to stay at home or in an assisted living community, and it is administered by the Georgia Division of Aging Services in coordination with DCH.

CCSP covers adult day health, alternative living services, emergency response, home-delivered meals, out-of-home respite, personal support, skilled nursing, and Structured Family Caregiving. Intake starts with Georgia's statewide aging and disability line at 1-866-552-4464, which routes to the local Area Agency on Aging; in metro Atlanta that agency operates the Empowerline service at 404-463-3333. The agency completes a functional assessment and level-of-care determination, and Medicaid eligibility is then decided through the Division of Family and Children Services. CCSP is not an entitlement: it has a limited number of slots and operates a waitlist once capacity is reached, so ask the Area Agency on Aging what the current wait looks like in your county. Our CCSP waiver guide goes deeper on services and enrollment.

Service Options Using Resources in a Community Environment (SOURCE)

SOURCE is the other service-delivery model inside the same Elderly and Disabled Waiver Program, built around an enrolled primary-care provider who coordinates both medical care and long-term services. It serves Medicaid recipients who, on top of needing Nursing Facility Level of Care, have chronic medical conditions that need active management.

SOURCE covers the same home-care services as CCSP, plus the care coordination that comes from having one primary-care site responsible for both your medical and long-term care. Intake also begins through the local Area Agency on Aging, with the added step of choosing an enrolled SOURCE site. Its operational advantage is timing: SOURCE generally has no waitlist, because it works within existing managed-care capacity. Our SOURCE waiver guide and our care coordination guide explain how the model works.

Independent Care Waiver Program (ICWP)

The Independent Care Waiver Program (ICWP) serves adults who apply between the ages of 21 and 64 and who have severe physical disabilities or a traumatic brain injury that would otherwise require nursing facility or hospital level of care. The age band is measured at application. ICWP serves a limited number of people statewide.

ICWP covers personal support, skilled nursing, respite, adult day health, counseling, and specialized medical equipment. Intake and case management run through Alliant Health Solutions, Georgia's external review organization, at 1-800-982-0411 or 1-888-669-7195. Because slots are limited, wait times vary, and a crisis priority applies for urgent cases. Our ICWP waiver guide has the eligibility detail.

New Options Waiver (NOW) and Comprehensive Supports Waiver Program (COMP)

The New Options Waiver (NOW) and the Comprehensive Supports Waiver Program (COMP) are Georgia's two Section 1915(c) waivers for people with intellectual and developmental disabilities, administered by the Georgia Department of Behavioral Health and Developmental Disabilities (DBHDD). NOW is the lower-intensity waiver, for people living with family or in less supervised settings; COMP is the higher-intensity waiver, for people who need 24-hour residential support.

Both waivers require the Intermediate Care Facility for Individuals with Intellectual Disabilities (ICF/IID) level of care and a qualifying diagnosis with childhood onset: by age 18 for an intellectual disability, or by age 22 for a closely related developmental disability such as autism, cerebral palsy, or epilepsy. They cover community living supports, community access, behavior supports, skilled nursing, therapies, specialized equipment, transportation, and respite, with residential supports available under COMP. Intake runs through DBHDD at 1-800-436-7442, and both waivers carry substantial waitlists in 2026, with slots allocated by category of need. Our NOW and COMP waivers guide and our ICF/IID guide cover the IDD pathway in full.

PACE: Program of All-Inclusive Care for the Elderly

PACE, the Program of All-Inclusive Care for the Elderly, delivers all of a participant's medical and long-term care through one organization, a PACE center, and a home-care team. It serves people age 55 and older who meet Nursing Facility Level of Care, live in a PACE service area, and can safely live in the community at enrollment. For a participant who qualifies for Medicaid, Medicare and Medicaid pay the PACE organization directly: it may not charge a monthly premium and must accept the Medicaid payment as payment in full, apart from any Medicaid spend-down liability or post-eligibility cost share the state applies.

As of 2026, PACE in Georgia is still launching and is not yet operational at scale; the state released a procurement for PACE service areas in 2025, and the National PACE Association's early-2026 status report still shows Georgia in pre-launch. For most Georgia families, PACE will not be an active option in 2026, so plan around the waivers and nursing facility Medicaid, and check the PACE program guide for current status.

Structured Family Caregiving (SFC)

Structured Family Caregiving (SFC) is a service inside CCSP and SOURCE that lets an approved relative live with the Medicaid recipient as a paid caregiver, with a monthly stipend paid through an enrolled SFC provider organization that also supplies training, nursing visits, and oversight.

Adult children, grandchildren, siblings, and other adult relatives can be paid through SFC, but spouses cannot, and neither can a parent of a minor recipient. In 2026 the SFC stipend runs roughly $1,987 to $2,400 per month depending on the recipient's care needs and the provider, and it is generally tax-free to the caregiver as a difficulty-of-care payment under federal tax rules when the caregiver lives in the recipient's home. The recipient must first be enrolled in CCSP or SOURCE; our Structured Family Caregiving guide explains how to choose a provider and start.

Choosing Among Georgia Medicaid Long-Term Care Settings

The right Georgia Medicaid long-term care setting depends on who needs care, what their disability is, and where they want to live. The table below lines up the main options.,

Setting	Who it serves	Where care happens	Level of care
Nursing Facility Medicaid	Anyone who qualifies; entitlement, no waitlist	Medicaid-certified nursing facility	Nursing Facility
EDWP, as CCSP or SOURCE	Adults 21+ who are frail or have physical disabilities	Own home or assisted living	Nursing Facility
ICWP	Adults applying between 21 and 64 with severe physical disability or TBI	Own home or community	Nursing Facility or hospital
NOW / COMP	Intellectual disability with onset by 18, or related developmental disability by 22	Family home or residential supports	ICF/IID
PACE (launching)	Adults 55+ in a future PACE service area	PACE center plus home	Nursing Facility

A nursing facility fits when care needs are around-the-clock and complex and cannot be safely met at home. An HCBS waiver fits when daily personal care can be delivered at home, especially when a family member is available, and Structured Family Caregiving can pay that relative. NOW or COMP is the route when the disability is intellectual and began by age 18, or is a closely related developmental disability that began by age 22. PACE will fit dual-eligible older adults once a Georgia service area opens.

Where to Start

Pick the door that matches the person's situation, and have their income, assets, and a sense of their care needs ready when you call.

Georgia Division of Aging Services For older adults 60 and over who need home care or nursing facility help; start a CCSP or SOURCE assessment, then apply for Medicaid through Georgia Gateway. 1-866-552-4464 gateway.ga.gov

Georgia Department of Behavioral Health and Developmental Disabilities For a person with an intellectual or developmental disability seeking the NOW or COMP waiver. 1-800-436-7442 dbhdd.georgia.gov

Alliant Health Solutions For adults applying between ages 21 and 64 with a severe physical disability or traumatic brain injury seeking ICWP. 1-800-982-0411

Georgia Legal Services Program Free legal help with eligibility, denials, or appeals across most of the state (the Atlanta Legal Aid Society covers metro Atlanta). glsp.org

Frequently Asked Questions

Do I have to go to a nursing facility to get Georgia Medicaid long-term care?

No. Georgia has four HCBS waivers (EDWP, which you enter through either CCSP or SOURCE, plus ICWP, NOW, and COMP) and PACE, all of which deliver long-term care in the home or community for people who meet a nursing facility level of care, or for NOW and COMP an ICF/IID level of care. Nursing facility Medicaid is the institutional option; the waivers and PACE are the community options.

What is the difference between CCSP and SOURCE?

Neither is a waiver of its own. Both are service-delivery models inside the one Elderly and Disabled Waiver Program, and both cover the same services. The difference is the model: with CCSP you keep your own primary-care doctor and a care coordinator manages your services, while with SOURCE an enrolled primary-care site coordinates both your medical care and your long-term services. SOURCE generally has no waitlist, while CCSP usually does.

Can I keep my home if I go on nursing facility Medicaid?

Yes. The primary residence is an exempt asset and is not counted against your $2,000 asset limit, the SSI resource standard. If your spouse, your child under 21, or your blind or permanently and totally disabled child of any age lawfully lives in the home, the federal home equity limit does not apply to you at all and the home is exempt regardless of its equity. If no such relative lives there, the equity limit applies, starting at the federal minimum of $752,000 in 2026 (states may elect up to $1,130,000), and for a home not on agriculturally zoned land it becomes a flat $1,000,000 on January 1, 2028 under Public Law 119-21. After your death, the home can be subject to Georgia estate recovery if it passes through probate. See our estate recovery guide.

Can my spouse keep our house and savings?

Yes, within the spousal impoverishment limits. The home is exempt while the community spouse lives there, and of countable assets the community spouse keeps between $32,532 and $162,660 in 2026, while the spouse receiving care keeps $2,000., Our spousal impoverishment guide shows the math.

What if my income is above the Special Income Limit?

You can still qualify for long-term care Medicaid through a Miller Trust (a Qualified Income Trust under 42 U.S.C. 1396p(d)(4)(B)). The trust is irrevocable, names the State of Georgia as residual beneficiary, and channels your income through a dedicated account each month. Georgia's Special Income Limit is $2,982 per month in 2026. See our Miller Trust guide.

Can my adult child be paid to take care of me?

Yes, through Structured Family Caregiving under CCSP or SOURCE. In 2026 the stipend runs roughly $1,987 to $2,400 per month depending on care needs and the provider. Adult children, grandchildren, siblings, and other adult relatives can be paid, but spouses cannot be paid by any Georgia Medicaid program.

Learn More

Find personalized help navigating Georgia Medicaid long-term care at brevy.com.

References

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