Short answer
New York's community-based Medicaid pathways (MLTC, NHTD) and nursing home Medicaid generally use the same non-MAGI aged/blind/disabled financial eligibility test, but they pay for very different settings and have different practical availability.
2026 figures
- Maximum federal Community Spouse Resource Allowance (CSRA): $162,660.
- Minimum state CSRA: $74,820 (the community spouse keeps the greater of the state minimum or half of countable resources, up to the federal maximum).
- Community Spouse Minimum Monthly Maintenance Needs Allowance (MMMNA): $4,066.50/month.
- Home equity limit for nursing facility / community-based long-term care Medicaid: $1,130,000.
Capacity is the real difference
Nursing home Medicaid is generally an entitlement once a person is financially and medically eligible. MLTC and NHTD, by contrast, involve plan enrollment and level-of-care assessment steps that can take time -- do not assume a community-based pathway is available immediately just because someone qualifies financially.
Source: NYSDOH GIS 26 MA/03
