Medicaid Planning

The Medicaid program works with federal and state laws to deliver medical care for those who cannot afford medical services – such as nursing or at-home care. This is different than Medicare in many ways, but most importantly, it does not pay for long-term care. 

Depending on your circumstances, Medicaid is an option for married couples and single individuals to pay for nursing home care. However, in Kansas City, MO., nursing home care expenses can exceed $55,000 per year. Additionally, you must consider that long-term care is often not covered at all. So, it is important to work with an attorney familiar with local Medicaid law to ensure you have the ongoing care you need. Contact me, Jennifer Dodson, to start on your comprehensive Medicaid plan today.

Understanding Medicaid Eligibility in Kansas City, MO

The total coverage a person is eligible for through Medicaid depends on a few variables. These are determined by the state’s Medicaid office. Work closely with our legal counsel to pinpoint these assets and the best way to sift through the many options and requirements. This ensures you end up with a strategy that meets your needs. The amount of coverage you receive depends on and is limited by: 

  • Assets. This accounts for exempt and non-exempt (countable) assets. Non-exempt items affect your monthly Medicaid payout. For example, real estate holdings and retirement accounts – countable assets – can affect the Medicaid benefits for which a person qualifies. Work with our attorneys to understand these limits; we can help you optimize your assets for Medicaid.
  • Marital status. Married couples living together in a nursing home are granted more countable assets. For example, a single person’s countable assets cannot exceed $2,000; a married couple’s countable assets are determined by additional qualifiers, like the amount and type of income each spouse receives. The assets and income of both spouses affect the eligibility of each individual partner. There are also regulations in place that keep married couples from dropping assets just to qualify for Medicaid.
  • Physical restrictions. A recipient must be in a qualified nursing home and Medicaid bed.
  • Monthly income and necessity tests. Medicaid payouts are limited by the monthly income an individual receives and can only be applied to those who meet a necessity test. If a person’s monthly income is too high, our attorneys can help you explore additional options.

To check that you meet Kansas City, MO’s Medicaid requirements and have a plan in place that will meet your care needs, contact me at 816-977-2763 for a free consultation.

Accounting for Personal Care – Other Options

Personal care is not cheap, and it is important to prepare ahead of time. Even those planning to receive assisted living care can accumulate annual expenses exceeding $40,000. Needing assisted care without full financial preparation can be devastating. Luckily, long-term care insurance is an option for those planning for Elder Care. This can work alongside Medicaid offerings, ensuring those who need long-term care find it without exhausting checking and savings accounts.

Finding the Right Solution for You

When nursing home admission, long-term care, or assisted living is necessary, make sure you have a plan in place to pay for it. Seek out qualified legal counsel, such as that given by my team at the Law Office of Jennifer Dodson, to walk you through Medicaid’s many rules and restrictions. We will give you an honest evaluation of your assets and potential limitations in order to connect you with the long-term care solution you need. Get started by contacting us today, so we can put your mind at ease.

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