Medicaid Denials

The topic of denials is so important that I am compelled to discuss over and over again. The key to this Blog is to eliminate the fear of a denial. Medicaid denials can be a credited to several common issues, which by the way, can either be avoided or corrected. Some examples as to why Medicaid… Read more »

Caregiver Agreement

Caregiver Agreement: Caregiver agreement, also known as Personal Service Contract, allows nursing home applicants the ability to protect some of the transferred assets by hiring private care and services, which Medicaid does not provide, such as, companions; assistance in financial matters, paying bills, purchasing clothing, and other incidentals as needed; assistance in arranging legal and… Read more »

What is an MLTC

Today, all Medicaid applicants requiring home-care services must join a Mange Long Term Care plan (“MLTC”). There are several MLTC’s to choose from, but basically all offer the same services with very little differences. Once the applicant is financially approved by Medicaid the applicant needs to get a medical assessment by a Medicaid nurse. Upon… Read more »

Medicaid-funded Assisted Living Program (ALP)

How can individuals who cannot remain at home safely, and are not candidates or do not meet the medical requirements for nursing home care find a proper place to live in the society? Of course they can enter a private assisted living and spend their life savings on room and board until they deplete all… Read more »

Can a Promissory Note assist in saving money?

A Promissory Note is a great tool to protect a good portion of a nursing home Medicaid applicant’s life savings. Promissory notes are loans between the applicant and the borrower. The borrower promises to pay the applicant in monthly increments until the note is satisfied. Lets explore the issue more closely and see how it… Read more »

Will Medicaid services be different than private pay?

Considering Medicaid Many of us are very concerned when it comes to home care services for our loved ones. We generally feel that when we pay privately for our loved one’s home care services or even nursing home care they will receive better care more attention and golden personal assistance. Our life time experience dictates… Read more »

Will Medicare provide all of the services I will need?

Medicare Health Insurance: The creation of Medicare health insurance was and still is a great concept assisting the elderly population at their greatest time of need. It’s an affordable health insurance and offers the best health care available; however, there are some shortcomings that everyone should be aware of. Medicare health insurance covers eighty percent… Read more »

Medicaid Reimbursment

Medicaid’s Reimbursement Program The Medicaid Reimbursement Program allows the family, but not the spouse, to pay for their loved one’s home care services during the Medicaid pendency period and file a request for reimbursement once the application had been approved. Medicaid pendency period is the time between the filing of the application and the actual… Read more »

Spending down your Life Savings

Recently I prepared a Community Medicaid application with home-care services for a 90 year old widow. Unfortunately she had run out of her life savings and was convinced that either she applies for Medicaid or be moved to a nursing home. The above description relates to many of our elderly population. Most are under the… Read more »

Eligibility The Month Following Transfers

Many potential applicant’s are reluctant to file a Medicaid application because they read or heard that Medicaid will take their money, their income and their homes, due to the 5 year look-back. This idea is totally absurd and ridiculous. First, Medicaid doesn’t take anything! If an applicant is ineligible Medicaid denies their application. Second, Lets… Read more »