Medicaid Planning

Medicaid Planning

Protect Your Rights! Consult With a Washington
Medicaid Planning Attorney

Medicaid is a program funding jointly by both the federal and state governments that provides health insurance coverage for children, seniors, and disabled individuals with low income. For those that qualify, Medicaid can cover nursing home care.

Without other public programs to cover nursing home expenses, many middle class Americans use Medicaid to provide resources for long-term care. However, most of these individuals do not have access to private funding or long-term care insurance policies so they pay for long-term care out of pocket until they are eligible for Medicaid coverage.

Besides New York, which does offer home care for Medicaid recipients, most states provide little support for home care. Studies are showing that home care is actually much less expensive than nursing home care. That is why an increasing number of states are creating Medicaid coverage for individuals who wish to remain in their homes.

Though their names sound similar, the programs Medicare and Medicaid are quite different. To start, any retiree that receives Social Security benefits will also receive Medicare for their health insurance. This is why Medicare is referred to as an “entitlement” program. On the other hand, Medicaid is classified as a form of welfare, and as such, you must demonstrate “impoverished” conditions based on the program guidelines.

Further, Medicaid is sponsored by the state and operates differently in each state (as does eligibility). The Deficit Reduction Act of 2005 (DRA) significantly changed the laws that govern how assets are treated when residents are transferred from home to nursing care. With so many complications, consulting an expert is the best way to ensure that you understand the Medicaid rules.

At Gustad Law, We offer you individualized guidance in the matters of Medicaid planning, application, submission, and appeals to safeguard you against a denial of your benefits.