Medicaid planning
Paying for a nursing home without signing over the house
Medicaid pays for long-term care once savings are spent down. A plan made early decides what gets spent, what’s protected and what the spouse at home keeps.
Start before the care does, if you can. We look at your parent’s income, savings, house and any spouse, then write down what Medicaid would count today and what changes in the next five years. If care has already started, we file the application and answer the agency’s questions.
The planning meeting, at a flat fee, includes
A review of income, savings and the house
What Medicaid would count today
A written plan for the spouse at home
A quote for any documents or filing the plan needs
How a plan comes together
We work from your parent’s own papers. Bring what you can find; we’ll list what’s missing.
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Step 1: Gather the papers
Bank statements, the deed, insurance policies and any pension letters. We send a checklist.
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Step 2: The planning meeting
Ninety minutes with you and your parent, at an office or at home.
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Step 3: The written plan
What to keep, what to spend, what to sign, and the order to do it in.
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Step 4: The application, when it’s time
We file it, track it and answer the agency’s letters.
Medicaid questions we hear every week
Will Medicaid take Mom’s house?
Not while she or her spouse lives there, in most cases. Medicaid can try to recover costs from an estate later. A plan made in time can change what’s left to recover.
Can Dad give his money to us kids now?
Gifts made within five years of applying can delay coverage. Don’t move money until we’ve looked at the whole picture.
Mom is already in a nursing home. Is it too late?
No. There’s usually still something to protect, especially for a spouse at home. Call us before the next bill.
Do you handle VA benefits too?
We can tell you whether a veterans’ pension might help and refer you to an accredited agent for the claim.
Plan before the first bill
A ninety-minute meeting, a written plan and a fee quoted in advance.