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Medicaid

The Laws Behind Medicaid and What You Need To Know

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The government-funded program called Medicaid helps “low-income citizens” in the U.S. In 2015, over 97 million Americans were covered in some way by the Medicaid program. The covered Americans include 33 million children, 6 million seniors, and 27 million adults. Medicaid is an integral part of the lives of many Americans – a piece essential for their health. Yet the laws surrounding and supporting Medicaid can be hard to understand. The Law & Medicaid Qualification (to qualify to apply for Medicaid coverage at least one of the following requirements must be met)*: Be a child under the age of 18...

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How Does Getting Married Affect Florida Medicaid Eligibility?

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In the simplest terms, Medicaid eligibility is determined by the applicant’s income. If a Florida Medicaid applicant gets married, the marriage will most likely result in a change to their income. The additional income as a result of marriage may render a Florida Medicaid applicant ineligible. If you have recently married or are about to get married, and you are worried about maintaining your Medicaid eligibility, continue reading. Defining Income: For Medicaid eligibility purposes, income refers to any income that a Medicaid applicant receives. “Income” can come from any source, including wages from employment, alimony payments, pension, Social Security Disability Income,...

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How to Plan Ahead for Long-Term Care Costs

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Remaining independent as long as possible is a top priority for many Americans. Yet the majority will eventually need some type of housing or care support as they grow older. There are a number of options that provide for various needs. It is best to consider the options before you need them so you can plan for the unexpected and have access to the resources you need when the time comes. For many, the first option is in-home care. Approximately 80% of in-home care is provided by family members or nonprofits. As many are unpaid family members, this mode often comes...

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Do You Understand Florida Medicaid Programs?

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Some questions are rhetorical. Others simply don’t deserve an answer. Some don’t have an answer at all and then there are the questions that have answers so big we don’t quite know what to do with them. One such question of epic proportions is: Do You Understand Medicaid Requirements? The Medicaid programs are federal programs administered on the state level. The program is designed as a means of offering assistance to low-income individuals that meet eligibility criteria set by each state. Florida’s eligibility is determined by age or disability in combination with income and asset limits with financial eligibility changing annually. Medicaid...

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5 Warning Signs of Alzheimer’s

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Most people associated Alzheimer’s or dementia with memory loss that disrupts daily life. This is one of the symptoms of the condition, but it is not the only one. It is also not necessarily the most common symptom. As Alzheimer’s affects more and more people and requires extensive health care services, it is important to complete estate planning early to prepare for unexpected situations later in life. It is also important to watch for early signs of Alzheimer’s. It’s one of the conditions that requires the most extensive long-term care services. Other Signs and Symptoms of Alzheimer’s: Memory (already mentioned): It’s...

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What You Don’t Know About Medicaid

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Are you familiar with Medicaid? What do you actually know about it? And more importantly, what don’t you know about Medicaid? What You Don’t Know About Medicaid: Medicaid was created in 1965 and is now the nation’s largest health insurer. It is an integral part of the American economy and society as a whole. Medicaid covers care at the end of life for millions. In addition to providing elder care to many seniors, approximately half of U.S. births are covered by the program. Medicaid is jointly financed by the federal government and the individual states. The coverage provides access to various health benefits for...

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Will Florida Medicaid Cover Nursing Home Costs?

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The state of Florida provides a number of services through long-term care managed care plans for those who qualify. These services may include assisted living facility and nursing facility care, some in home services, and medical equipment. There are two parts to the qualification process required for Florida Medicaid Long-Term Care Managed Care plans. An individual must first need nursing home level care and second, they must meet financial eligibility requirements. Qualifying for Florida Medicaid: Medically Necessary Nursing Home Level Care To qualify for Florida’s long-term managed care plan, you have to require nursing home level care. You must be able to...

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Do I Need to Sell My Home to Be Medicaid Eligible?

Medicaid eligibility requirements are stringent in regards to assets and income. As an experienced Florida Medicaid planning attorney, one of the most frequent questions I hear is if clients need to sell their home to qualify for Medicaid benefits. Do I Need to Sell My Home To Qualify for Medicaid Benefits? The question is not a difficult one, but it also does not have a straightforward answer. There are multiple answers, depending on your situation. When your home is your primary residence, it is a non-countable asset as long as certain conditions are met. The amount of equity in the home...

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What is Medicaid and What Does it Cover?

Medicaid is a significant part of the healthcare system in the United States. The medical care coverage program operates at the state level for low-income individuals and families with limited resources. As of 2018, there were close to 73 million people enrolled in the Medicaid benefits program. Medicaid operates at the state level, so may vary from state to state. Applicants qualify for Medicaid based on income and resources. What Does Medicaid Cover? Medicaid benefits offer medical coverage, including most common forms of health care. Medicaid benefits cover some of the same services covered by Medicare but also includes some services...

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Income Counted by Florida Medicaid Long Term Care Coverage

To apply for Florida Medicaid coverage, long-term care applicants must pass two tests: the Florida Medicaid Asset test and the Florida Medicaid Income test. As an “income-cap” state, Florida Medicaid applicants are only approved if they do not exceed the set limit. If you are considering applying for Medicaid or attempting to start your Medicaid planning, the first step is determining if your income is above or below the cap. What Sources of Income Are Counted During the Florida Medicaid Application Process? Social Security Benefits Retirement Account Income Disability Payments Workers Compensation Payments Annuity Income Rental Real Estate Income (net) ...

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