Updated August 26, 2026. Quick answer: Indiana divides transfers by $8,027 a month for applications filed on or after July 1, 2026. Applications filed from July 1, 2025 through June 30, 2026 use $7,651.
The figure Indiana publishes
| What the state lists | Figure |
|---|---|
| Applications filed on or after July 1, 2026 | $8,027 per month |
| Applications filed 7-1-25 through 6-30-26 | $7,651 per month |
How the penalty period is calculated
- Indiana sets one statewide average monthly private pay rate for nursing facilities and uses it as the transfer penalty divisor.
- The rate that applies is the one in effect for the date the application was filed, so an older application keeps the older rate.
Once you have the figure above, the Medicaid penalty period calculator does the arithmetic. This page is the Indiana rate record; the calculator is the class parent.
What this page does not settle
- Indiana publishes a long table of prior rates; only the two current tiers are reproduced here.
Eligibility is decided by the state agency on the whole file, not by this one number. Nothing here is legal advice, and no one should transfer, retitle or give away property on the strength of a worksheet.
Get a second opinion before money or property moves
Transfers are the part of this system that is hardest to undo, so it is worth having someone look at the timing and at what else the household holds before a gift, a sale or a deed is made final.
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Source
Indiana Medicaid Policy Manual, Section 3006.00.00, Facility Rate Used to Calculate Penalty Period — retrieved and checked against the state text on August 26, 2026.
The transfer penalty applies to gifts, not to care a family member is paid for under Indiana’s own program, and getting paid as a family caregiver in Indiana names the Indiana program that pays one and answers the family-member and the spouse question separately.
Related: Indiana’s Medicaid home equity limit for a single applicant with no spouse or dependent child at home.
More Medicaid & Estate Recovery guides: see the full 335-page index.