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26.3.7 Spousal Impoverishment There are no spousal impoverishment protections for MAPP. An institutionalized member who was determined ineligible for Medicaid using the Medicaid Institutions tests can qualify for Medicaid through MAPP. However, because only the member’s assets count in determining MAPP eligibility, do not apply the spousal impoverishment provisions for assets. Similarly, because there is no post-eligibility treatment of income and instead calculate a premium using only the member’s income, there is no community spouse income allocation or family member maintenance allowance for MAPP. 26.3.8 Institutionalization Members in an institution may qualify for MAPP if they do not qualify for institutional Medicaid. If the member’s monthly premium gross income exceeds 100% FPL for a group of one (see SECTION 39.5 FEDERAL POVERTY LEVEL TABLE), they are responsible to pay a monthly premium instead of a patient liability or cost share (see SECTION 27.7 COST OF CARE CALCULATION and SECTION 27.7.3 PARTIAL MONTHS). 26.3.9 Community Waivers MAPP is a full-benefit Medicaid subprogram for community waiver participation (see SECTION 21.2 FULL- BENEFIT). If the member’s monthly premium gross income exceeds 100% of the FPL for a group of one (see SECTION 39.5 FEDERAL POVERTY LEVEL TABLE), they are responsible to pay a monthly MAPP premium instead of a cost share. This page last updated in Release Number: 25-04 Release Date: 12/10/2025 Effective Date: 12/10/2025 26.4 MAPP Financial Requirements Follow EBD rules in Chapters 15.1 INCOME INTRODUCTION and 16.1 ASSETS INTRODUCTION to determine countable assets and income. The following are MAPP financial eligibility requirements. 26.4.1 Assets Total countable assets of the member must be $15,000 or less. Only count the assets of the MAPP applicant for the MAPP asset eligibility test. 26.4.1.1 Independence Accounts MAPP members can establish one or more Independence Accounts. These accounts are an exempt asset. There is no limit to the number of Independence Accounts a MAPP member may have and no restriction on what the money can be used for. A member’s deposits into an Independence Account may total no more than 50% of their gross earnings over the 12-month certification period. If the member’s deposits exceed 50% of their actual gross earnings during the same 12-month certification period, a penalty is assessed (see SECTION 26.5.1.1 INDEPENDENCE ACCOUNT PENALTY). Any interest accrued to any type of independence account while enrolled in MAPP is exempt and is not considered a "member deposit" subject to the 50% of earned income limitation. Amounts withdrawn from a MAPP Independence Account during the 12-month certification period do not affect the limit on the gross amount that may be deposited during the same period without penalty.