One of the largest costs associated with getting older is nursing home care or in-home assistance. To make matters worse, it is an expense most Americans are not prepared to pay for. Some people mistakenly believe that Medicare will pay for long-term care costs. Not true. Medicare expressly excludes long-term nursing home care as a covered expenses. Some people purchase long-term care insurance, which is smart. Nevertheless, a policy is extremely expensive and may not cover all of the care you might need. One of the few public programs that can help with long-term care costs is Medicaid.
Medicaid is the joint federal and state public assistance program that may help cover some of the following expenses:
- Nursing home care – Provided in a licensed facility that offers general nursing care for people who have a chronic illness or cannot take care of their own daily living needs.
- Community-based care – Designed to help people live in their homes independently, these services include adult day programs, meal delivery, and transportation services.
- Personal care – Getting help with bathing, dressing, eating and using the bathroom.
Understanding Eligibility for Medicaid
Medicaid sounds great, but there is a big catch – you must qualify and meet certain eligibility rules before coverage can commence. If you are unsure about whether you would qualify for Medicaid coverage, the InSight Law team of experienced attorneys are here to help. We can assist in guiding you through the application process and find out if you qualify. If you have questions about your eligibility or denial of eligibility for Medicaid, we’ll help you determine your next steps.
Bobby Breaks Down Key Issues for Long-Term Planning
