Easy Questions  
Free Legal Documents

Rules of Eligibility on Medicaid in Charlotte, IA

Rules of Eligibility on Medicaid in Charlotte, IA


You don't get to choose how you're going to die, or when. You can only decide how you're going to live.
 
- Joan Baez


Medicaid, which is distinct from Medicare, provides health coverage to nearly 60 million children, families, pregnant women, the elderly, and people with disabilities. Medicaid covers US citizens and eligible immigrants and is generally provided for low income citizens. Medicare provides health coverage to all senior citizens over the age of 65, regardless of means.

Medicaid can pay for nursing home costs for senior citizens with few assets and low income. In some cases, this applies to senior citizens who have already spent almost all their savings paying their residential facility or home care and cannot sustain the expense.

In the case where one spouse lives at home and the other in a long term care facility, Medicaid can allow more assets to be retained while still qualifying for Medicaid. Planning plays an important role so that Medicaid can pay the nursing costs of for an elderly patient in a medical facility.

When does Medicaid Pay for Assisted Living or Nursing Home?

Medicaid provides for people with low income and limited assets. The program is a joint project by the state and federal government to assist senior citizens in terms of their assisted living care or nursing home needs. The state administers the program and has certain requirements for an elderly to qualify for the benefits.

Long Term Care Requirements

Long term care consists not only of medical care but also personal services for people who are ill and disabled.

State Provided Medicaid

Medicaid recipients will avail of the nursing facilities provided by every state for free. The state will also pay for the home health care services of the recipients who qualify for nursing home care. Medicaid funding can be used by the state to provide long term care services like health aides to those who are not qualified for assisted living facilities and in-home services.

Facilities Accepting Medicaid

Since Medicaid has certain mandatory federal requirements, not all nursing home or assisted living facilities accept Medicaid payments. There are facilities that accept Medicaid and they are subject to periodic inspection to make sure they meet the federal standards set by the state. You need to check with the facility to determine if they take Medicaid patients.

Medical Eligibility

Seniors are not the only persons assisted by Medicaid. Adults and young children who have needs for a nursing home care are also medically eligible for Medicaid after satisfying the requirements of the state. As long as it is proven "medically necessary" for a patient to be placed in a nursing home or health care facilities, and you meet the asset and income criteria, Medicaid will shoulder the expenses.

Financial Eligibility

Depending on the state where you are residing, Medicaid eligibility is set by the federal SSI (Supplemental Security Income). SSI also set the income limits.

Income Limits

Flexible medical guidelines are available in most state for long-term Medicaid reimbursement. These income guidelines depend upon the type of the long term program being applied for and used.

"Medically Needy" Guidelines

"Medically needy" refers to those people who have high income and assets yet their medical expenses are also very high. This means that their income is reduced. In Medicaid terms, this is referred to as "spending down".

Resource Limits

A person who has "spent down" would be eligible to qualify for Medicaid assistance. This is after a person's assets are higher than the Medicaid resource limit.

Asset Transfer

You can diminish your assets or do whatever you like while you are "spending down", getting below the qualifying asset criteria for Medicaid. However, you may not give away assets for less than market value. Medicaid will track your finances for the past five years to determine if your transferred assets in order to qualify for Medicaid. If they determine that you have done so, you will be ineligible to apply for Medicaid for a certain period. Penalty charges may also apply, even after restrictions are lifted and you will legally qualify for Medicaid assistance.

Contribution to Cost of Care

Before Medicaid pays for your care, they expect your available income would go to the long term medical care at a nursing home or other healthcare facility and you will only be allowed to keep a small fixed amount for your "personal needs allowance". The amount that you will be allowed to keep will depend on state laws and the arrangement you made with your healthcare facility. Arrangement can also be made for persons with more than what is allowed for Medicaid eligibility assets to put it in a trust in order to qualify for Medicaid. When the person dies, the trust proceeds will be paid to any long term medical care that was provided for by Medicaid. The rest, which may not be much, will go to the heirs.

Spousal Improvised Protection

Married couples who have one member needing a long-term care services will not be required by Medicaid to give up assets and income in order for the other who need health care to qualify for Medicaid. The healthy spouse is still allowed to live in the community and keep assets ranging from $22,000 to $110,000 depending on the state rules.

Future Medicaid Claim against Your Estate

Medicaid will claim your estate only if:

• You are 55 year old and receiving long-term medical care

• You are permanently institutionalized before you turn 55 year old

• If you pass away, Medicaid will have a claim on your estate for the amount they have spend to care for you (Medicaid estate recovery)

Medicaid will only claim your estate after your remaining spouse dies and you have not left behind any minor or disabled children.

 
Personalize & Print a Free IA Living Will Download this Document
Page 1
Page 2
Page 3
Page 4
Page 5
Page 6
Page 7
Page 8
 
Personalize & Print a Free IA Last Will Download this Document
Page 1
Page 2
Page 3
Page 4
Page 5
Page 6
Page 7
Page 8
Page 9
Page 10
Related Legal Services near Charlotte, IA
Bauerly Craig R Atty
1312 Turnberry Ave
le Mars, IA 51031
(712) 546-9293
Attorneys
Richardson Ryan A
1288 Lincoln St SW
Le Mars, IA 51031
(712) 546-8873
General Practice Attorneys, Attorneys
Trotzig & Bauerly, P.L.C.
1288 Lincoln St SW
Le Mars, IA 51031
(712) 546-8873
General Practice Attorneys, Attorneys
Murphy Patrick N
38 1st Ave NW
Le Mars, IA 51031
(712) 546-8844
Attorneys
Murphy Collins & Bixenman PLC
38 1st Ave NW
Le Mars, IA 51031
(712) 546-8844
Personal Injury Law Attorneys, Attorneys
Bixenman Scott L
38 1st Ave NW
Le Mars, IA 51031
(712) 546-8844
Attorneys
Mitchell Gregory C
15 1st Ave NW
le Mars, IA 51031
(712) 546-8105
Attorneys
Murphy Michael P Res
542 15th St SW
Le Mars, IA 51031
(712) 546-7884
Attorneys, Legal Service Plans
Robert B Brock
16 2nd St SE
le Mars, IA 51031
(712) 546-7861
General Practice Attorneys, Attorneys
The Commodity Office of Le Mars
24 1st St NW
le Mars, IA 51031
(712) 546-7851
Attorneys
Starcevic Joseph F
13 S Clinton St
Albia, IA 52531
(641) 932-7802
Real Estate Attorneys, Attorneys, Legal Service Plans
Hemmingson Mark
104 Central Ave NE
Le Mars, IA 51031
(712) 546-7677
Attorneys, Legal Service Plans
Hoffman Thomas J Atty
801 3rd St SE
le Mars, IA 51031
(712) 546-7234
Attorneys
Lubben Earl
640 Remer Dr SE
Le Mars, IA 51031
(712) 546-7194
Attorneys
Bybee Jim
14 1st Ave SW
Le Mars, IA 51031
(712) 546-6999
Attorneys, General Practice Attorneys
Hall Hudson Attys PC
4039 Main St
Elk Horn, IA 51531
(712) 764-6062
Attorneys, General Practice Attorneys, Legal Service Plans
Lubben Rcpm
127 3rd Ave NW
Le Mars, IA 51031
(712) 546-5454
Attorneys
Devries Mark W
104 Market St
Bellevue, IA 52031
(563) 872-5429
General Practice Attorneys, Attorneys
Rasmussen Joe
4216 Main St
Elk Horn, IA 51531
(712) 764-5357
Attorneys, General Practice Attorneys, Legal Service Plans
Pabst John A
212 Benton Ave W
Albia, IA 52531
(641) 932-5155
General Practice Attorneys, Attorneys
Olson Alan
567 Southview Dr SE
Le Mars, IA 51031
(712) 546-4833
Attorneys
Hueneke Richard
39033 361st Ave
Bellevue, IA 52031
(563) 872-4735
Attorneys
George James L
17 1st Ave NE
Le Mars, IA 51031
(712) 546-4704
Attorneys, Legal Service Plans
Besch Ronald J
124 S Riverview St
Bellevue, IA 52031
(563) 872-4558
Attorneys, General Practice Attorneys
12Law.com   |  NASHVILLE, TN USA   |  CONTACT US