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Virginia

Virginia Medicaid Application Guide

Virginia Medicaid ·

Content verified 2026-07-17T17:22:34.742Z

Medicaid Asset Protection & Spend-Down MilestonesGoverned Protocol
160-Month Lookback Guard

All asset transfers and gifts within 5 years are audited under state lookback statutes.

2Exempt vs. Countable Assets

Primary home equity, one vehicle, and personal effects remain protected under community spouse allowances.

3Miller Trust / QIT Path

Excess income in income-cap states is redirected into a Qualified Income Trust to preserve qualification.

Program overview

Virginia Medicaid provides essential health coverage to eligible residents including low-income individuals, families, children, pregnant women, elderly adults, and people with disabilities. You can apply online at commonhelp.virginia.gov, by phone, or through paper applications at local Department of Social Services offices.

Virginia offers several Medical Assistance Programs with different eligibility requirements based on age, income, financial resources, and other factors. Adults between ages 19-64 with income less than 138% of federal poverty level qualify under MAGI (Modified Adjusted Gross Income) rules, while individuals who are 65 or older, blind, disabled, or need long-term care services have separate eligibility pathways.

Virginia Medicaid covers comprehensive health services including doctor visits, hospital care, prescription medications, preventive care, mental health services, and long-term care services. Most members are enrolled in managed care organizations (MCOs) that coordinate care and provide additional benefits beyond traditional Medicaid coverage.

Applications are processed within 45 days (90 days if disability determination is needed). You must report changes to your information within 10 days and renew your coverage annually. If you have access to employer health insurance, you may be required to enroll in the HIPP program where Medicaid pays your employee premium share.

Main application form

Application for Health Coverage & Help Paying Costs (MAGI Standard Application)

Form

Download form

Additional forms

  • Employer Insurance Verification Form ·

    Required form for HIPP (Health Insurance Premium Payment) program if you have access to employer health insurance

Where to submit

Submit your completed application online at commonhelp.virginia.gov, by calling Cover Virginia at 1-855-242-8282, or by mail/drop-off to your local Department of Social Services.

Read guide

Virginia Medicaid provides health coverage for eligible residents including families, children, pregnant women, and disabled individuals. You can apply three ways: online at commonhelp.virginia.gov, by calling Cover Virginia at 1-855-242-8282, or at local Department of Social Services offices. Adults ages 19-64 with income under 138% of federal poverty level qualify, while elderly and disabled residents have separate pathways. You'll need documents like Social Security cards, birth certificates, income verification, and proof of residency. Most members join managed care plans that coordinate comprehensive services including doctor visits, hospital care, prescriptions, and preventive care. Applications are processed within 45 days, and you must report changes within 10 days and renew coverage annually.

Official resources

Related guides

Frequently Asked Questions

How do I apply for Virginia Medicaid in Virginia?

To apply for Virginia Medicaid in Virginia, complete Application for Health Coverage & Help Paying Costs (MAGI Standard Application), then submit it to Submit your completed application online at commonhelp.virginia.gov, by calling Cover Virginia at 1-855-242-8282, or by mail/drop-off to your local Department of Social Services..

What documents do I need to apply for Virginia Medicaid in Virginia?

You typically need to provide: Social Security card or document numbers for any legal immigrants who need insurance, Birth certificates or proof of citizenship/immigration status for all household members, Employer and income information for everyone in your family (paystubs, W-2 forms, wage and tax statements), Bank statements and financial account information, Proof of any other health insurance coverage, Documentation of any disability determinations, Proof of Virginia residency (utility bills, lease agreement, etc.), Marriage certificate (if applicable), Child support documentation (if applicable), Documentation of medical expenses or special medical needs, Self-employment records and tax returns (if self-employed), Documentation of any asset transfers in the past 5 years.

Where do I submit my Virginia Medicaid application in Virginia?

Submit your completed Virginia Medicaid application to Submit your completed application online at commonhelp.virginia.gov, by calling Cover Virginia at 1-855-242-8282, or by mail/drop-off to your local Department of Social Services..

Where can I find official information about Virginia Medicaid in Virginia?

Official information and application resources are available at Apply Online - Virginia CommonHelp: https://www.commonhelp.virginia.gov/

How we research and verify this information

Our team compiles this listing from public records and provider data, and reviews it against authoritative sources. Read our editorial standards and research methodology.

Editorial review by John Richie, Senior Care Research Editor.

The Care Decision Podcast · Episode 2 & Printable Cost Checklists

Real Care Cost Breakdown: Audio Guide & Printable Tour Checklists

Base rent is rarely the final monthly invoice. Stream Episode 2 (19 min) or click either reference card below to zoom, save, or print our tour pricing checklist and 3-bucket invoice funding blueprint.

The Care Decision podcast cover art

Episode 02 · 19:21 · Hosted by Maya & Daniel

What Does Memory Care Actually Cost?

Assisted living base rent ($5,900–$6,250/mo) vs. memory care ($6,500–$8,500+/mo), level-of-care add-ons, and tour questions.

Tour Pricing Checklist · Ep 2 Assisted Living vs. Memory Care Cost Breakdown (Ep 2)
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Funding Stack Blueprint · Ep 3 The 3-Bucket Invoice Split ($6,200/mo Gap · Ep 3)
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📝 Open Interactive 5-Question Facility Tour Worksheet & 24-Month Calculator (Printable) Expand ↓
Interactive Facility Tour Scorecard

5-Question Tour Worksheet & 24-Month Survival Calculator

Fill in the numbers quoted during your tour to calculate the 2-year total at the next care tier up, then print a 1-page scorecard.

Day-1 Monthly (Base + Meds)

$7,140/mo

Year-2 Monthly (Next Tier Up)

$8,390/mo

24-Month Total at Next Tier Up

$199,774

🧮 Open Interactive 3-Bucket Monthly Gap & Six-Doors Benefit Calculator (Ep 3 · Printable) Expand ↓
Interactive 3-Bucket Funding Stack · Ep 3

3-Bucket Monthly Gap & Six-Doors Benefit Stacker

Split the community quote into Room & Board (Bucket 1) and Personal Care/ADLs (Bucket 2) to see how Social Security, VA Aid & Attendance, LTC insurance, and state Medicaid HCBS waivers reduce your net monthly gap.

Net Monthly Family Gap (After Benefits)

$4,129/mo

Total Invoice: $6,200/mo · Covered: $2,071/mo

90-Day Elimination / Approval Bridge

$12,387

Home Care + Adult Day pacing ($3,120/mo) saves $9,240 over 90d

24-Month Net Family Out-of-Pocket

$99,096

Bucket 3 Clinical & Part D ($2,400 Rx cap) stays on Medicare

Card 1 / 1

Printable Family Reference Card

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