Does Long Term Care Insurance Affect Medicaid Eligibility? 
If Long Term Care Insurance is paying your bills for nursing home , assisted living , or at home care , you may not need Medicaid . However , if your Long Term Care Insurance does not keep up with the cost of your care , and you have sufficient out of pocket expenses that you need to go on Medicaid , having Long Term Care Insurance should not affect your Medicaid eligibility . Rather , you would probably not want to continue paying for your Long Term Care Insurance policy when Medicaid picks up the cost of your long term care . 