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Medicaid's Benefits for Assisted Living Facility Residents

Posted by Nina Whitehurst | May 11, 2022 | 0 Comments

Assisted living facilities are a housing option for people who can still live independently but who need some assistance. Costs can range from $2,000 to more than $6,000 a month, depending on location. Medicare won’t pay for this type of care, but Medicaid might. Almost all state Medicaid programs will cover at least some assisted living costs for eligible residents.

How Much Money Can You Have and Still Qualify for Medicaid?

Posted by Nina Whitehurst | Nov 10, 2021 | 0 Comments

In order to be eligible for Medicaid benefits a nursing home resident may have no more than $2,000 in "countable" assets (the figure may be somewhat higher in some states). Note that Medicaid is a state-run program, so the rules are somewhat different in each state (especially California), although there are federal guidelines.

What is the Difference Between Medicare and Medicaid?

Posted by Nina Whitehurst | Jun 04, 2021 | 0 Comments

Medicare and Medicaid are two different government programs for healthcare.  It is important to understand the difference between them.  Here, we will discuss how the program benefits differ, how eligibility for each program is established, and discuss some recent news pertaining to each program.

Caregiver Contracts: How to Pay a Family Member for Care

Posted by Nina Whitehurst | Nov 11, 2020 | 0 Comments

Entering into a caregiver contract (also called personal service or personal care agreement) with a family member can have many benefits. It rewards the family member doing the work. It can help alleviate tension between family members by making sure the work is fairly compensated. In addition, it can be a be a key part of Medicaid planning, helping to spend down savings so that the elder might more easily be able to qualify for Medicaid long-term care coverage, if necessary.

Will My COVID-19 (Coronovirus) Stimulus Payment Disqualify Me For Medicaid?

Posted by Nina Whitehurst | Apr 21, 2020 | 0 Comments

Stimulus payments will NOT be treated as income but rather as a tax refund which is exempt (not countable as a resource) for 12 months. For recipients whose countable resources are already below $800, such that the stimulus payment plus the existing countable resources will not exceed the typical $2,000 resource limit, no spend down will be required. Recipients whose existing countable resources are greater than $800 will have 12 months to spend their resources down to below the resourse limit.

Who Pays for Hospice Care in Crossville, Tennessee?

Posted by Nina Whitehurst | Feb 17, 2020 | 0 Comments

I am often contacted by someone whose elderly spouse or parent is being discharged from the hospital with a doctor's certification that the patient has fewer than six months to live. The discharge staff at the hospital is recommending that the patient enroll in hospice care. The spouse or adult child is concerned about how he or she is going to pay for hospice care. While the patient was in the hospital, Medicare was paying the bills.

What is Medicaid Pre-Planning?

Posted by Nina Whitehurst | Oct 29, 2019 | 0 Comments

Medicaid Pre-Planning is a process of using legal techniques to transfer assets to your spouse or children or other beneficiaries, or to otherwise cause the assets to be exempt from consideration in qualifying for Medicaid. These techniques (1) preserve these assets for your heirs, (2) while allowing you to maintain a certain degree of control while you are still living, and (3) allow you to qualify for Medicaid coverage much sooner than if your assets were just spent down.

Medicaid Recovery Rules

Posted by Nina Whitehurst | Sep 06, 2019 | 15 Comments

Many people are vaguely aware that Medicaid (not to be confused with Medicare) can collect from decedent's estates for amounts paid for the decedent's care during lifetime. What they do not know is that state laws on this vary widely. This is because Medicaid is a federal-state partnership program, and the federal laws governing the Medicaid program give states some latitude in designing their estate recovery programs. Some states are "standard recovery" states and some states are "expanded recovery" states, in the parlance used by elder law attorneys.

Medicaid Home Care

Posted by Nina Whitehurst | May 17, 2019 | 0 Comments

Traditionally, Medicaid has paid for long-term care in a nursing home, but because most individuals would rather be cared for at home and home care is cheaper, all 50 states now have Medicaid programs that offer at least some home care. In some states, even family members can get paid for provi...

Medicaid Looks Closely at All Assets

Posted by Nina Whitehurst | Jun 01, 2018 | 0 Comments

If your spouse has assets, it is likely that Medicare will take them into consideration. Medicaid is likely to ignore any spousal agreements and consider the assets of each spouse when determining eligibility, according to My San Antonio in "Protecting separate assets from Medicaid."

A Trust May Protect Assets from Medicaid

Posted by Nina Whitehurst | Apr 02, 2018 | 0 Comments

If you end up needing Medicaid, the government will look closely at your assets. There are some ways around the problem of having assets and needing Medicaid. A trust is one of the answers, according to the Times Herald-Record in "Benefits of Medicaid Asset Protection Trust."

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