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Posts tagged "Medicaid/Medical Assistance Planning"

Medicaid and financial eligibility

Medicaid/Medical Assistance Planning always involves the consideration of financial eligibility. There are many different factors that people may need to take into consideration when it comes to applying for Medicaid. Many people assume that in order to qualify for Medicaid, a married couple must be destitute and living in poverty. However, there are protections in place which can allow one spouse to benefit from Medicaid while the healthier spouse is able to sustain some financial security. We will explore this topic in this post.

What is a Medicaid spend-down?

Medicaid/Medical Assistance Planning is something that your family may need to consider. As your parents become older and their health deteriorates, it can be helpful to begin thinking ahead to a time when they might need to take up residence in a Pennsylvania nursing home. No one wants to go into a nursing home; so, this can be one of the most difficult situations a family ever faces. It will become even more difficult when you discover the high costs of long-term care.

What is the look back period for Medicaid eligibility?

Why is Medicaid/Medical Assistance Planning important? As we age, we may reach a point where it becomes difficult to care for ourselves. If so, it may be necessary to consider a nursing home. Affording a nursing home can be difficult. Unfortunately, many elderly people may need to become a resident of one temporarily or even permanently. Without proper planning, nursing home care can cut into one's savings, retirement funds and loved ones' inheritances. Pennsylvania residents might be under the impression that they can finance nursing home care through Medicaid, which may be true but is often complicated.

Spend downs can help you qualify for Medicaid

Medicaid/Medicaid Assistance planning may involve the spend down of cash and assets to qualify for eligibility. Pennsylvania residents trying to figure out how they will afford nursing home care may find themselves trying to figure out how their funds can be reduced. This is known as a 'spend down'.

The Medicaid look back period can trap the unwary

Medicaid, or Medical Assistance, is a welfare program designed to help pay for medical care for those who are of limited means, seniors and non-seniors alike. There are some services that Medicaid may cover that Medicare will not, especially when it comes to affording a nursing home. Medicare is an insurance program funded primarily through payroll taxes.

Get the right information about Medicaid planning

Medicaid/Medical Assistance planning should be an important consideration for many Pennsylvania residents who are thinking about how to cover the cost of medical expenses. Despite the efforts of the federal government, health care costs in America continue to rise. When it comes to medical expenses, Pennsylvania residents need to think about Medicaid/Medical Assistance planning and the possibility of using their own funds to cover a nursing home stay.

Eligibility Requirements for Medicaid/Medical Assistance

Medicaid/Medical Assistance planning can be helpful in obtaining eligibility for these government benefits by Pittsburgh residents, as this blog has discussed previously. There are specific income and resource requirements that a Pennsylvania resident has to meet before he or she can become eligible for Medicaid even he or she is medically needy. This is important to remember because, for many aging Pennsylvania residents, Medicaid may be the only option to help pay for long-term care.

Recent statistics: many people will need Medicaid

Recent statistics to consider for Medicaid/Medical Assistance Planning show that many people throughout the United States, including in Pittsburgh, Pennsylvania, will eventually have to rely on Medicaid/Medical Assistance to help them pay for their nursing home care.

Medicaid planning versus Medicare

Medicaid/Medical Assistance Planning helps people to protect themselves, their families and their assets. Many people, including Pittsburgh residents, probably routinely confuse the terms Medicaid and Medicare, assuming that since they both may pay for some long term care, they must operate in the same way. However, payments for long term care by Medicaid is different from the insurance payments by Medicare.

The look-back period in Medicaid planning

What is the look-back period in Medicaid?  If you are one of many residents in Pittsburgh confusing Medicaid and Medicare and assuming that paying for long-term care is the same in both programs, reading this post may be beneficial not only to explain the differences between the two but also to understand the impact of the look-back period.

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