Do you know how to apply for Medicaid? You need to understand the application process if you are hoping to get Medicaid coverage for costly medical care for yourself or your loved ones. If you are a senior and you want Medicaid to cover costs that you owe under Medicare, you will also need to understand what is involved in applying for benefits. Many seniors also need to know how to apply for Medicaid so they can get nursing home care costs covered.
The Law Offices of James A. Miller can provide you with assistance in understanding how to apply for Medicaid. We can also help you to take steps to ensure that you can qualify for coverage so you are not forced to spend all of your personal assets on nursing home care or other essential treatment that you may need. Give us a call today to find out more about how a Massachusetts Medicaid planning lawyer can assist you with understanding how to apply for Medicaid and get covered.
How to Apply for Medicaid
In Massachusetts, Medicaid is referred to as MassHealth. The Benefits.gov website explains the maximum income limits for applications as well as resource limits. These income and resource limits apply to eligible individuals and families under the age of 65. Individuals within this age group can apply online at Mass Health Connector and can also get help applying via phone at 1-800-841-2900.
For seniors aged 65 and older and for those who require long-term care services and want Medicaid to provide coverage for nursing home care, applications can be submitted via mail or fax, or can be hand-delivered.
The application can be obtained from Mass.gov. Once completed, it can be mailed to the MassHealth Enrollment Center Central Processing Unit at P.O. Box 290794, Charlestown, MA 02129-0214. You can also submit the application via fax at 617-887-8799 or can hand deliver it to the Central Processing Unit located at The Schrafft Center. The address of the Schrafft Center is 529 Main Street, Suite 1M Charlestown, MA 02129-0214.
When you submit your application, you have to provide your Social Security number, proof of citizenship or national origin status, details about your income and assets, and certain other personal and financial information. You must prove that you meet the criteria for coverage based on your family size, resource levels, and a variety of other factors established by state and federal law.
How to Get Medicaid Coverage When You Need It
Knowing how to apply for Medicaid is essential since Medicaid may be the only source of payments, other than private payments, for nursing home care. If your medical care costs are too high for you to pay comfortably, you also need to know how to get Medicaid coverage.
Unfortunately, many seniors who require coverage for nursing home care end up being disqualified because they have too many resources. When you work your whole life to save money and buy property, the assets you have acquired could cause you to become ineligible for means-tested Medicaid. You would have to spend down those assets in order to get necessary coverage for nursing home care or other essential medical expenses.
If you work with a Medicaid planning lawyer, you can find ways to appropriately structure ownership of your assets so you do not have to spend down your wealth in order to get covered by this important government-sponsored insurance program. By getting Medicaid coverage, you can protect your legacy, ensure your spouse’s continued financial security, and make sure that you can pass assets down to your loved ones instead of wasting them on costly bills for nursing home care.
You need to act well in advance of the time you need care as a result of the five year lookback rule which Medicaid imposes. If you transfer assets within five years of needing Medicaid coverage, you could be disqualified from getting essential benefits for a period of time. Talk with a Medicaid planning lawyer well in advance of needing care to make sure this does not happen to you.
Getting Help from A Massachusetts Medicaid Planning Lawyer
To find out more about what is involved in the process of Medicaid planning so you can get covered, download a free estate planning worksheet. You can also give us a call at 866-370-3888 or contact us online to speak with an experienced attorney about how to apply for Medicaid and how to make certain you can get Medicaid to cover your nursing home care and other essential treatments you need as you age.
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