Understanding Medicaid vs. Medicare: Crucial Differences in Accessing Home or Institutional Care
Have you considered the implications of healthcare coverage for home care versus institutional care? Navigating the complexities of healthcare coverage can be overwhelming, especially when it involves accessing essential services. For seniors and individuals with disabilities, understanding the differences between Medicaid and Medicare is crucial for ensuring comprehensive care. Are you aware of these distinctions? […]
Understanding medicaid
Westchester Senior Voice Article For those navigating healthcare services, especially for older adults in need of long-term care, understanding Medicaid eligibility can be a game-changer. Here’s what you should know—even if you think you couldn’t possibly qualify. Traditional Medicaid is typically for people of any age with very low income and no other insurance. In New York […]
Medicaid nightmares
Westchester Senior Voice The process of qualifying for Medicaid—utilizing Pooled Income Trusts, protecting assets for nursing home placement, accessing home care services—is indeed a very difficult maze to navigate. Unfortunate—but true. Below are several case scenarios I have come across in my practice. Case 1:Carol’s family came to me for advice because they had filed a […]
Can medicaid help?
Westchester Senior Voice Nancy is 91 years old and lives alone in her own home. Her family tells me she now needs 24-hour care at home, but they think she cannot qualify for Medicaid benefits because she (1) owns her home; (2) has money in the bank; (3) has an IRA; and (4) collects a pension. […]
Sidestepping obstacles to medicaid
Westchester Senior Voice Filing for Medicaid can be a maze of obstacles with potential pitfalls around every bend. Some of the stumbling blocks you may come up against during the application process include: “Mom has no income but she was denied.”Medicaid counts Social Security, pension, IRA income and family assistance, among other sources. Most people […]
Medicaid: true or false
Westchester Senior Voice Article Take this true/false quiz to learn what you know (or don’t know) about Medicaid coverage for long-term care needs. #1: I can own my home and still qualify for Medicaid at-home care.Answer: True. For in-home care, you can own your home if it’s your primary residence. If you own other properties and they […]
Medicaid Basics
See article on Westchester Senior Voice Medicaid, a government assistance program administered at the state level, has two different types of coverage. Understanding that is important when considering an application for long-term care. Community Medicaid pays, in full or in part, for long-term care at home and services in certain assisted living residences, while Institutional […]
The Medicaid Program
Created in 1965, the Medicaid program was designed to provide health coverage for low-income people. While the federal government establishes certain parameters for all states to follow, each state administers their Medicaid program differently, resulting in variations in coverage across the country. In New York State, Medicaid for long-term care (nursing home care or care […]
Important Changes in NY Medicaid
Amid the worldwide Pandemic, New York State has included a Major Change to the Medicaid Landscape in the 2020 Budget. This Major change relates to Community Medicaid. Currently there is no “look back” to qualify for Community based Medicaid (i.e. Home Care) under New York State Medicaid. This means that you can essentially transfer your […]
Pooled Income Trusts
So many people think they cannot qualify for Medicaid covered Long Term Home Care because their income is too high. It is true, that Medicaid does have limits on Monthly Income but there is a way to qualify for Medicaid Benefits despite having what is commonly referred to as “excess income”. The way to qualify […]
