ALTCS in Plain English: How Arizona’s Medicaid Program Actually Works.
When families hear “ALTCS,” it usually hits them at the worst time—right when a loved one suddenly needs more help than anyone expected. The process feels confusing, slow, and technical. This guide breaks it down in simple language so you know exactly what to expect and how to avoid the headaches most people run into.
What ALTCS Actually Is
ALTCS (Arizona Long Term Care System) is Arizona’s Medicaid program that helps pay for long-term care. That can mean care at home, in assisted living, or in a nursing facility. If someone needs daily hands-on help and money is tight, ALTCS is often the only real safety net.
Who ALTCS Is For
ALTCS is meant for people who:
Are 65+ or have a qualifying disability
Need help with things like bathing, dressing, , eating, or mobility
Could benefit from 24/7 oversight or structured care
Meet strict income and asset limits
If someone can live fully independently, they usually won’t qualify.
The Medical Test (PAS Evaluation)
An assessor comes out and asks questions about daily needs, mobility, memory, medications, safety, and overall health.
This score decides everything. If someone “looks too good,” they won’t qualify—even if they’re struggling behind the scenes.
Honesty is key. Don’t downplay symptoms.
Income & Asset Limits (Simple Breakdown)
ALTCS has firm limits. Here’s the digestible version:
Monthly income: Must be $2,901 or less
Assets: Must be $2,000 or less (for a single person)
Couples have different rules, and the non-applicant spouse is allowed to keep more so they’re not left broke.
If income is too high, an Income-Only Trust (Miller Trust) can fix that.
Home, car, personal items, and burial plans are not counted.
How Long ALTCS Takes
This is the part families are never ready for:
It takes about 60–90 days—sometimes longer.
Start early. Families who wait until the crisis hits end up scrambling.
Common Mistakes Families Make
Waiting too long to apply
Thinking ALTCS will “just cover everything”
Hiding assets or moving money incorrectly
Not preparing for the PAS assessment
Assuming the hospital or rehab will handle the application
They won’t. You have to drive this process.
Where ALTCS Can Be Used
ALTCS isn’t only for nursing homes. It can help with:
Assisted living
Memory care
In-home caregivers
Adult day programs
Skilled nursing
Group homes
Families have more options than they think.
When You Should Start the ALTCS Process
Start when you notice:
Worsening dementia or unsafe judgment
Falls, wandering, or medication mismanagement
Caregiver burnout
Increasing need for hands-on help
A doctor recommending more supervision
ALTCS is slow. Don’t wait until it’s an emergency.
How MyPlaceMate Helps
I walk families through the entire process—explaining requirements, preparing for assessments, helping gather documents, and matching them with communities that accept ALTCS. It saves time, stress, and costly mistakes.
Disclaimer
Information in this article is based on current ALTCS guidelines, which can change. Actual qualification depends on individual health needs, financial circumstances, and state review. This guide is for general understanding only and should not be taken as legal or financial advice.