Medicaid Spend Down: Pay for More Than Just Medical Bills

Since the 1960s, Medicaid has provided health care coverage for low-income people across the United States. For millions of seniors, Medicaid offers financial assistance, helping them to cover the cost of long-term care services. Today, this joint federal-state program also benefits other qualifying populations with limited income, including children and people with disabilities. Qualifying for Medicaid […]

Good News for Medicare Advantage, Medicaid Patients in 2026

         If you need a medical procedure, you may have to hold off on treatment until you have received approval from your health insurance plan. In many cases, Medicare Advantage and other plans have denied their patients certain services despite doctors’ orders. (In one survey, medical practices reported that 97 percent of their patients faced unnecessary […]

Elder Law: Can Medicaid Take Your House?

Nursing home residents do not automatically have to sell their homes to qualify for Medicaid. However, that does not necessarily mean the house is entirely safe from estate recovery. The state will likely put a lien on the house while the resident is living and then attempt to recover the property after the resident has […]

Medicaid Redetermination: In One State, Many Didn’t Renew

Results of a recent survey led by the Department of Health and Human Services in Utah reveal that more than half of the state’s residents who lost their coverage during Medicaid’s “unwinding” process in 2023 did not attempt to resecure their benefits. What Is Medicaid? Medicaid is a federal program that serves Americans with limited income, providing health […]

Medicaid Estate Recovery and Medicaid Payback Rules

         Federal law requires each state to attempt to recover long-term care benefits from Medicaid recipient’s estates after their death. This is known as Medicaid estate recovery. If a Medicaid recipient had failed to protect their house, it may need to be sold to settle the claim. Who Does the Medicaid Estate Recovery Program (MERP) Affect? […]

Protecting Your House from Medicaid Estate Recovery

         You may have heard the term “estate recovery” before and wondered what it meant. This is a process that can occur after a Medicaid recipient dies. Their state may attempt to recoup whatever benefits it had paid for their care from the deceased person’s estate. For most Medicaid recipients, their house is the only […]

2024 Standard Protections for Spouses of Medicaid Applicants

         Each fall, the Centers for Medicare & Medicaid Services (CMS) renews the federal guidelines that seek to protect individuals whose spouses are applying for or receiving Medicaid long-term care benefits. These protections, known as the Spousal Impoverishment Standards, help to support the financial well-being of seniors who continue residing at home while their spouse on […]

Using a Prepaid Funeral Contract for Medicaid Spend Down

No one wants to think about their death, but one useful way to begin preparing is with a prepaid funeral contract. Securing a prepaid funeral contract can be a good way to spend down assets in order to qualify for Medicaid. In addition, it can help your family to feel assured that they are carrying out your […]

Dual Eligible Special Needs Plans – Are They Right For You?

         As of 2020, approximately 12.5 million people have Medicare and Medicaid coverage. Medicare is a federal health insurance program for people over 65 and specific disabled individuals. Medicaid is a joint federal and state program that helps provide medical care for those with limited income and resources. Medicaid recipients include children, pregnant women, and individuals who are blind or […]

Why Georgia’s New Medicaid Program May Impact You

In June 2023, Georgia announced the implementation of the Pathways to Coverage program, effective July 1, 2023. If successful, it could allow able-bodied adults who have not previously qualified for Medicaid to join the program and have access to health coverage if they meet certain conditions.  What Is Medicaid? Medicaid is a public assistance program that […]