Medicaid Crisis Planning
Life is unpredictable. An individual you love may be in an accident or fall severely ill creating the need for him or her to go into a long-term care facility such as a nursing home. Trying to cover the costs of this type of care can be overwhelming.
Anyone over the age of 65, people with certain disabilities and people with certain end-stage diseases are given health insurance through Medicare. The federal program provides hospital and medical coverage at no cost for these individuals. Sometimes this coverage is not enough to cover the expenses of placing a loved one in a nursing home. In these cases, it may be necessary for your loved one to obtain Medicaid.
In some cases, a younger person may need to obtain skilled nursing care after an accident or due to a serious illness. Medicaid can help fill any gap that exists with private insurance. Our team at Grewal Law will go over your options related to getting Medicaid coverage to help you make an educated decision. We are ready to help you navigate the entire Medicaid eligibility process from the moment an emergency occurs.
Let our attorneys relieve some of the stress from a stressful situation. You don’t have to go through this process alone.
Why is Medicaid Necessary?
The U.S. Department of Health and Human Services reported that in 2010 the costs for nursing home care averaged$6,235 per month. These numbers have continued to escalate. If someone you care about needs to go into a nursing home only a portion of the costs will be covered by Medicare. There are three criteria a person must meet in order to have a stay in a skilled nursing facility covered. These are as follows:
- The person had a recent hospital stay of at least three days.
- An individual is admitted into a Medicare-certified nursing facility within 30 days of a prior hospital stay.
- Skilled care is medically necessary.
When these criteria are met Medicare covers costs of a stay for up to 100 days. During the first 20 of these days, the entire cost is covered by Medicare. From day 21 through day 100, the person who is receiving the care will need to pay a portion of the expenses. When Medicare coverage ends it becomes necessary to cover these expenses through other means such as Medicaid.
Unlike Medicare, Medicaid will cover the cost of care in a nursing home or for care at a person’s home beyond the conditions outlined above. Medicaid is a joint program through the state and federal governments.
Medicaid Eligibility in Michigan
Where many families struggle is meeting the income requirements associated with Medicaid. It can be difficult to understand the complexities related to meeting these mandates. In Michigan, a person’s income and assets will be considered when determining eligibility along with several other factors.Our Medicaid crisis planning team can help you and your family navigate the process.
There is a maximum allowance of assets a person and his or her spouse can have in order to be able to receive Medicaid. Once a person’s income is calculated certain expenses can be deducted when attempting to meet eligibility. These factors include the following:
- Monthly needs ranging from $2,002.50 to a maximum of $3,022.50 per month
- House allowance of up to $600.75 per month
- Personal needs allowance of at least $30
- Spouse Resources along with Home Equity Limits are also considered
Understanding all of these factors can be overwhelming, but we can help. We will assist you throughout the entire application process and will help you protect the maximum assets and income allowed under the law.
Making Plans for Your Family
The Lansing Medicaid crisis planning attorneys at Grewal Law PLLC are ready to help your loved one obtain the medical coverage he or she needs. Our team will help you navigate the Medicaid application process and will ensure your family’s best interests are protected.
Call us to assist with your Medicaid crisis planning today at 517-393-3000.