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    v1.0.30
    OpenPayerPolicy UpdatesAdministrative/Operational PolicyDelaware DHSS Home Equity Policy Update | OpenPaye…
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    CurrentDelaware Department of Health and Social ServicesPolicy A-11-2024

    2025 Home Equity Limits

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    Establishes home equity limits for Delaware Long Term Care Medicaid Programs and directs DMMA staff and the eligibility system to apply the selected limit.

    Policy Summary
    PayerDelaware Department of Health and Social Services
    Policy2025 Home Equity Limits
    Policy CodePolicy A-11-2024
    Change TypeAnnual limit update
    Effective DateJanuary 1, 2025
    Next Review DateNot specified
    Key ActionUpdate the eligibility system to apply the $730,000 excess home equity limit.
    SourceLink
    POLICY UPDATE CHANGES

    Delaware Medicaid's excess home equity limit increased to $730,000 for 2025.

    $730,000Delaware-selected limit
    $1,097,000Maximum limit
    $730,000Minimum limit
    2.4%2025 CPI increase

    Home Equity Eligibility Limitation

    OpenPayer is powered by Trek Health's payer performance platform. Trek continuously ingests, validates, and normalizes Transparency in Coverage data alongside payer policies and other commercial payer data to create a structured payer intelligence foundation. OpenPayer uses this foundation to deliver personalized search results, dynamically generated policy pages, and tailored policy monitoring based on each user's payers, specialties, billing codes, and areas of interest. The same intelligence powers broader payer performance workflows, including reimbursement benchmarking, contract evaluation, payer negotiations, and financial decision-making.

    Home Equity Limitation for Long-Term Care Medicaid

    Medicaid payment is unavailable when all of the following apply:

    ALL of the following

    • ALL of the following

      • The individual is seeking Medicaid payment for long-term care services.
      • The individual's home equity exceeds $730,000.> $730,000
    • Medicaid will not pay for the long-term care services under the home equity limitation.

    Applicable Home Equity Limits

    Minimum Excess Home Equity Limit
    Minimum excess home equity limit$730,000
    Effective dateJanuary 1, 2025
    Adjustment basis2025 Consumer Price Index increase of 2.4%
    Maximum Excess Home Equity Limit
    Maximum excess home equity limit$1,097,000
    Effective dateJanuary 1, 2025
    Adjustment basis2025 Consumer Price Index increase of 2.4%
    Delaware Medicaid Selected Limit
    Delaware Medicaid selected excess home equity limit$730,000
    Effective dateJanuary 1, 2025
    State selectionDelaware Medicaid elected to use the minimum excess home equity amount

    Eligibility System Implementation

    Billing Rule

    Update the eligibility system

    Update the eligibility system to apply Delaware’s increased excess home equity limit of $730,000.

    Excess Home Equity Limit

    Excess Home Equity Limit
    DefinitionThe maximum amount of home equity an individual may have before Medicaid will not pay for long-term care services
    Long-term care impactMedicaid will not pay for long-term care services when home equity exceeds the applicable limit
    Limit structureThe applicable limit may be a minimum amount or, at State option, a higher maximum amount
    Policy Summary
    PayerDelaware Department of Health and Social Services
    Policy2025 Home Equity Limits
    Policy CodePolicy A-11-2024
    Change TypeAnnual limit update
    Effective DateJanuary 1, 2025
    Next Review DateNot specified
    Key ActionUpdate the eligibility system to apply the $730,000 excess home equity limit.
    SourceLink
    On This Page
    Home Equity Eligibility LimitationApplicable Home Equity LimitsEligibility System ImplementationExcess Home Equity Limit