Sea Girt  (732) 974-8898         Middletown  (732) 706-8008

What Happens After I Qualify for Medicaid

by | Sep 23, 2019 | Medicaid Planning

I have applied for Medicaid benefits for clients over a thousand times.  I have a lot of experience with applying for Medicaid benefits.

Medicaid is a health payment plan for needy individuals.  In order to qualify for Medicaid benefits, an individual must have very limited assets and insufficient income with which to pay for her care.  For the program of Medicaid for which I help clients—a Medicaid program known as Managed Long Term Services and Supports or MLTSS—the potential Medicaid beneficiary must also require hands-on assistance with three of the basic activities of daily living.

The basic activities of daily living are clothing, bathing, toileting, transferring, eating, and mobility. Since a potential Medicaid beneficiary must require hands-on assistance with three of these basic activities, the individual must be in dire need of assistance, both financially and physically, in order to qualify for Medicaid benefits.

Most of my clients are residing in a nursing home or an assisted living residence. Some require long-term services at home, such as an adult day care center or a home health aide.

Over the years, I have been successful in helping my clients qualify for Medicaid, but sometimes, qualifying for Medicaid is only half the battle. If the Medicaid beneficiary is living at home, a care manager from Medicaid will come visit the beneficiary and arrange for the appropriate services given the beneficiary’s care needs.  For instance, the Medicaid care manager might arrange for some services from a home health aide and some services through an adult day care center.

If the Medicaid beneficiary is residing in a nursing home, then a Medicaid bed in the facility is almost a guarantee. Most every nursing home in New Jersey accepts Medicaid.  Probably fewer than ten nursing homes in this state do not accept Medicaid, and I don’t know of any facility in Monmouth or Ocean Counties that does not accept Medicaid.

Once a person qualifies for Medicaid in a nursing home, the nursing home must treat the resident exactly the same as they would treat her if she were privately paying for her care. Some nursing homes might try and tell you once you qualify for Medicaid that they don’t have a “Medicaid bed” for you and that you have to find another facility with an available Medicaid bed.

The truth is, in most nursing homes, every bed in the facility is dual certified for Medicare and Medicaid eligibility, so every resident already is in a Medicaid bed. Even if the resident weren’t in a Medicaid bed, the truth is, it is incumbent on the nursing home—not the resident or her family—to find another facility with an available Medicaid bed.  In all the years that I’ve been practicing, I have never had a nursing home find another facility for a resident.  All of the facilities have eventually accepted the resident as a Medicaid beneficiary, though some have tried to put up a fight.

Assisted living residences are different animals. Most every assisted living residence in New Jersey requires, at least, two years private payment before they would accept an individual as a Medicaid beneficiary.  After the two years private payment is satisfied, the facility will tell you that if you qualify for Medicaid and if the facility has a Medicaid bed available, the facility will accept the resident as a Medicaid beneficiary.

In my experience, most every assisted living residence in New Jersey will make room for the resident if the resident qualifies for Medicaid, after the resident has private paid for two years. One facility, which shall remain nameless, often gives residents a very, very hard time about a Medicaid bed even if the resident has private paid for two, three, and even five years.

Qualifying for Medicaid benefits is a process. Implementing those benefits can be a process as well.

Categories

Recent Posts

Do You Really Need a Trust?

When people begin the estate planning process, they often hear that they “need a trust.” The truth is more nuanced. Trusts can be extremely useful, but the right kind of trust depends entirely on your goals, your assets, and your family circumstances. For most people,...

Understanding the Medicaid Five-Year Lookback Period

When someone applies for long-term care Medicaid, one of the most important rules is the five-year lookback period. This rule determines whether the applicant made any gifts or transfers of assets that could delay eligibility for benefits. Despite frequent...

Protecting Your Home from Long-Term Care Costs

For many families, the home is their largest and most meaningful asset. It represents a lifetime of work and is often what parents hope to pass on to their children. Unfortunately, rising long-term care costs put that goal at serious risk. In New Jersey, nursing home...

Living Documents

For more than 26 years, I have practiced elder law in New Jersey. Over that time, I have drafted tens of thousands of estate-planning documents—last wills and testaments, financial general durable powers of attorney, and advance health care directives. These documents...

Gift and Estate Tax: The Boogeyman

Beginning in 2026, the federal lifetime exclusion against gift and estate tax is scheduled to increase to $15,000,000 per individual. In simple terms, this means that a person can give away—or die owning—up to $15 million in assets without paying any federal gift or...

Archives

Additional Articles

To schedule a consultation with the Law Offices of John W. Callinan, call our office closest to you:
Sea Girt  (732) 974-8898         Middletown  (732) 706-8008