1232 Blue Ridge Blvd, Hoover, AL 35226

Nolan Elder Law and Estate Planning, LLC Blog

Tuesday, October 17, 2017

Common Medicaid Application Misconceptions

What information will I need to include in my Medicaid application?

Medicaid is a federal-state health insurance program that provides health coverage for over 72.5 million low income children, adults, seniors, and people with disabilities across America. While Medicaid can be a wonderful program for the uninsured or elderly, there are many misconceptions that exist about the program and application process.  OurBirmingham Medicaid applications lawyer at Nolan Elder Law and Estate Planning, LLC, busts some common misconceptions about applying for Medicaid. 

  1. We will lose our home if we apply for Medicaid.  Long term nursing home care can be astronomically expensive.  Many older Americans realize that applying for Medicaid may be their best option to obtain health care coverage, but they may also be afraid that they will lose their house by applying.  While Medicaid has the power to place a lien on your home so that it can be repaid after your death, there are also numerous ways to protect your home from a lien.  By planning for your Medicaid application well in advance, you can preserve your home and assets.

  2. I must spend down my assets before applying for Medicaid.  Medicaid is only available to individuals that have limited resources.  The resource limits for individuals in Alabama in 2017 is 2,000 a month or $3,000 a couple.  There is a common misconception that the only way to make yourself eligible for Medicaid is to spend down your assets in excess of the limits.  While this is one option, there are numerous better options, including taking advantage of permitted transfers to certain trust accounts or children under the age of 21.  The earlier you start to plan for Medicaid, the better chance you have of avoiding the need for a spend down of your assets. 

  3. My Medicaid application will be approved even if I’m missing documents.  Medicaid applications require significant supporting evidence, including bank account information, detailed information on your assets, and medical evidence as to your disability.  While it can be time consuming to gather all the documents requested by the government, it is imperative that you do so.  One of the most common reasons for denial of Medicaid applications is missing or incomplete information.

Contact our Alabama elder law attorneys for assistance with preparing your Medicaid application and planning for your future health care costs.  

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