Medicaid Spend Down in Delaware

Program Description

Delaware Health & Social Services provides payment for health care services on behalf of eligible low-income persons and individuals with limited income and high medical expenses. Payments are made directly to the health care providers. In some cases, persons may qualify for payment of medical services that were provided up to three months before the month in which a Medicaid application was completed.

Delaware Medicaid

Medicaid furnishes medical assistance to eligible low-income families and to eligible aged, blind and/or disabled people whose income is insufficient to meet the cost of necessary medical services. Medicaid pays for: doctor visits, hospital care, labs, prescription drugs, transportation, routine shots for children, mental health and substance abuse services.

General Program Requirements

In order to qualify for this benefit program, you must be a resident of the state of Delaware, a U.S. national, citizen or permanent resident in need of health care/insurance assistance, whose financial situation would be characterized as low income or very low income.

  • You can have a car, bank account, and a home and still qualify for Medicaid. DMMA does not look at any of your resources when determining your eligibility for Medicaid.
  • You can work and still qualify for Medicaid.
  • Some persons can have other insurance and still receive Medical Assistance.
  • Low-income uninsured adults between the ages of 19 and 65 may qualify for Medicaid.
  • Certain children living with stepparents, grandparents, or siblings with income may receive Medicaid.
  • Needy families with children may be eligible for Medicaid if they are part of Temporary Assistance for Needy Families.
  • When a family getting a welfare check starts working and leaves welfare they still may receive Medicaid.
  • Low-income pregnant women and children under age 19 may qualify for Medicaid.
  • Most women of child bearing age may be eligible for birth control and family planning services for up to 24 months after their regular Medicaid stops.

Pre-Paid Funeral Exclusion

Any individual, who is an applicant or recipient of SSI/Medicaid, and in the “spend down” process, should meet with a Delaware funeral director. During a prearrangement conference, the individuals should select which burial or cremation services and funeral merchandise he or she desires as disclosed on a “General Price List.” The funeral director will then note these selections on an itemized statement (commonly known as a “Preneed Itemization Statement”), which will reflect the current retail cost of the merchandise and burial or cremation services selected. The next step is funding the arrangements. Funeral prearrangements will qualify as prepaid funeral resource exclusion if the funds are placed in an irrevocable prepaid funeral account.

Preneed Insurance vs Life Insurance

Click on the graphic on the left to download the file.

Medicaid SSI Eligibility Flatsheet

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Beeson Funeral Home of Newark
2053 Pulaski Highway
| Newark, DE 19702
Tel: 1-302-453-1900
| Fax: 1-302-453-0426


You are welcome to call us any time of the day, any day of the week, for immediate assistance. Or, visit our Newark funeral home in person at your convenience.


We care for families throughout Newark, Delaware and the surrounding New Castle County communities, Brookside, Christiana, Wilson, Ogletown, New Castle, Bear, Red Lion, Wrangle Hill, Delaware City, St. Georges, Kirkwood, Summit Bridge, Wilmington Manor, State Road, Glasgow, Biddle Corner, and all other surrounding communities.

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