How to apply for Michigan Medicaid — Aged, Blind & Disabled (AD-Care)

Who it's for

Michigan Medicaid for people who are age 65+, blind, or disabled. The AD-Care pathway gives full Medicaid coverage with net income at or below 100% of the Federal Poverty Level (about $1,325/month for one person, $1,783/month for two, before the $20 income disregard). The countable asset limit is $9,950 for one person and $14,910 for two (effective January 1, 2026). People over the income limit may still qualify through Group 2 ABD with a spend-down (deductible). Apply through MI Bridges or a local MDHHS office.

What you'll need

• Proof of age 65+ (or proof of blindness/disability)
• Proof of Michigan residency
• Proof of all household income and assets
• Social Security card
• Medicare card if enrolled

Where to apply

What to say when you call

"Hello, I'm calling to ask about Michigan Medicaid — Aged, Blind & Disabled (AD-Care). I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need proof of age 65+ (or proof of blindness/disability), proof of Michigan residency, proof of all household income and assets — is anything else required? What is the best next step?"

Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.

Step by step

1. Gather your required documents: proof of age 65+ (or proof of blindness or disability), proof of Michigan residency, proof of all household income and assets, your Social Security card, and your Medicare card if you are enrolled in Medicare.
2. Check your income and assets against the AD-Care limits. For 2026, the countable asset limit is $9,950 for one person and $14,910 for two. The net income limit is at or below 100% of the Federal Poverty Level. If your income is over the limit, you may still qualify through Group 2 ABD with a monthly spend-down — ask MDHHS for details.
3. If a spouse needs long-term care (such as a nursing facility or the MI Choice waiver) while the other spouse stays home, federal spousal-impoverishment rules may protect the community spouse's assets and income. MDHHS calculates the exact protected amounts. Contact MDHHS or a benefits counselor for guidance on your specific situation.
4. Apply online through MI Bridges or visit your local MDHHS office in person to submit your application.
5. You can also apply by phone by calling MDHHS at 1-844-464-3447 if online or in-person options are not convenient.
6. After applying, respond promptly to any requests from MDHHS for additional information or verification documents to avoid delays.
7. Once approved, mark your calendar for your annual renewal. MDHHS will notify you when it is time to renew your coverage.

What to expect: After you submit your application, MDHHS will review your information and may contact you if additional documents are needed. Processing times vary, so ask MDHHS for an estimate when you apply. If approved, you will receive full Medicaid coverage through the AD-Care pathway. If your income is above the AD-Care limit, MDHHS will evaluate whether you qualify through Group 2 ABD with a monthly spend-down. Coverage must be renewed every year — MDHHS will send a renewal notice when the time comes, so watch your mail and respond by the deadline to keep your benefits active.

Renewals

annual