12Law Arrow 12Law Arrow  Easy Questions  
12Law Arrow 12Law Arrow Instant Legal Documents
 
 
FINANCIAL & MARITAL

Cohabitation Agreement coming soon!
Separation Agreement coming soon!
No-Fault Divorce coming soon!
Bankruptcy coming soon!
 
 

Rules of Eligibility on Medicaid in Zip Code 49101

Rules of Eligibility on Medicaid in Zip Code 49101


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.

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 MI Living Will Create This Document
Page 1
Page 2
Page 3
Page 4
Page 5
Page 6
Page 7
Page 8
Related Legal Services near Zip Code 49101
Derdarian Christine
6952 Sandalwood Dr
Bloomfield Hills, MI 48301
(248) 538-9737
Attorneys
Personal Injury Associates Attys
6735 Telegraph Rd
Bloomfield Hills, MI 48301
(248) 647-9600
Attorneys, General Practice Attorneys
Linda Bruton Law, PLLC
71 Garfield Street, Suite 140A
Detroit, MI 48201
(734) 576-9547
Attorneys, Entertainment & Sports Law Attorneys, Business Law Attorneys, Contract Law Attorneys, Sch
Green, Gerald G PC
2604 Sunnyside Dr
Cadillac, MI 49601
(231) 775-9500
DUI & DWI Attorneys,  Attorneys,  Legal Service Plans,  Criminal Law Attorneys,  Bankruptcy Law Atto
Brelinski, Brad Curtis & Curtis
120 W Michigan Ave # 1500
Jackson, MI 49201
(517) 787-9481
Divorce Attorneys, Attorneys, Legal Service Plans, Family Law Attorneys
Dennis Benson Law Office
200 E Mason St
Cadillac, MI 49601
(231) 876-9405
Attorneys, General Practice Attorneys, Legal Service Plans
Baughman Michael J
330 W Franklin St # 1
Jackson, MI 49201
(517) 782-9367
Attorneys, Legal Service Plans
Hoffman Julius J PC
404 S Jackson St
Jackson, MI 49201
(517) 788-9280
Corporation & Partnership Law Attorneys,  Estate Planning Attorneys,  Probate Law Attorneys,  Real E
Dietrich & VanderRoest
834 King Hwy
Kalamazoo, MI 49001
(269) 344-9236
Attorneys,  Estate Planning, Probate, & Living Trusts,  Business Law Attorneys,  Corporation & Par
Eilisia G Schwarz PLLC
PO Box 205
Cadillac, MI 49601
(231) 942-9064
Bankruptcy Law Attorneys,  Criminal Law Attorneys,  DUI & DWI Attorneys,  Family Law Attorneys,  Att
Howard Adam E Law Office
404 S Jackson St
Jackson, MI 49201
(517) 788-9055
Attorneys,  Real Estate Attorneys,  General Practice Attorneys,  Legal Service Plans
Adam E Howard
209 E Washington Ave Ste 236
Jackson, MI 49201
(517) 788-9055
Criminal Law Attorneys, Attorneys
King & King PLLC
140 Paluster St
Cadillac, MI 49601
(231) 779-9000
Attorneys,  Legal Service Plans,  Criminal Law Attorneys,  Family Law Attorneys,  Labor & Employment
Bredell & Bredell
410 S Jackson St
Jackson, MI 49201
(517) 787-9000
Attorneys,  Personal Injury Law Attorneys,  Insurance Attorneys,  Accident & Property Damage Attorne
Mills Richard C
404 S Jackson St
Jackson, MI 49201
(517) 513-8915
General Practice Attorneys, Attorneys
Perez Karen A
6715 Park Ave
Allen Park, MI 48101
(313) 382-8808
Attorneys
Jaspen Daniel M
900 Carpenter Ave
Iron Mountain, MI 49801
(906) 774-8771
Attorneys, Family Law Attorneys, Real Estate Attorneys, General Practice Attorneys, Legal Service Pl
Lori & Jaspen PC
900 Carpenter Ave
Iron Mountain, MI 49801
(906) 774-8770
Attorneys,  Criminal Law Attorneys,  Real Estate Attorneys,  Wills, Trusts & Estate Planning Attorn
Abbott Thomson & Beer PLC
405 S Jackson St
Jackson, MI 49201
(517) 787-8571
General Practice Attorneys, Attorneys
Beer Brendon R
405 S Jackson St
Jackson, MI 49201
(517) 787-8571
Attorneys
McCord Corey J
405 S Jackson St
Jackson, MI 49201
(517) 787-8571
Attorneys
Thomson Kevin M
405 S Jackson St
Jackson, MI 49201
(517) 787-8571
Attorneys
Abbott Thomson & Beer PLC
180 W Michigan Ave
Jackson, MI 49201
(517) 787-8570
General Practice Attorneys, Attorneys
Grover Robert M
180 W Michigan Ave # 601
Jackson, MI 49201
(517) 787-8570
Attorneys, Legal Service Plans
12Law.com   |  NASHVILLE, TN USA   |  CONTACT US