A Worcester Medicaid planning lawyer provides help in making certain that you can qualify for Medicaid to cover the costs of long term care if you need such care because of an illness or because of an injury. Working with an attorney to make a Medicaid plan is important because you may have limited or no access to other types of coverage for nursing home care.
Many people believe they won’t have to worry about the costs of nursing home care if they have Medicare coverage, and many others believe that covering healthcare costs is not a concern for them because they have purchased an optional Medicare Advantage or Medigap plan.
The unfortunate reality is that you cannot be confident you will be covered for a nursing home even if you have Medicare and additional insurance. In fact, there is a greater likelihood that Medicare won’t pay for the long term care that you need than a likelihood that it will provide coverage.
The Law Offices of James A. Miller, P.C. can help you to understand the circumstances under which Medicare will pay for nursing home care and can provide you with help making a Medicaid plan in case you need nursing home care that Medicare will not cover. It is best to act long before the time that you need care if you want to protect the maximum value of your assets, so you should contact a Worcester Medicaid planning lawyer as soon as you can in order to find out whether you need a Medicaid plan and to get help making your personalized plan. Give us a call today to get started.
Does Medicare Cover Nursing Home Care?
Medicare.gov explains the rules for when Medicare pays for nursing home care. Medicare will provide payments for care services in a certified skilled nursing facility (SNF). However, Medicare pays for this only if the care is considered a medical necessity. For example, if you need post-surgical care such as changing sterile dressings that must be performed by a qualified medical professional, Medicare may for you to stay in a skilled care facility for a limited duration of time while you need this post-surgical care.
Most people, however, need custodial care in a nursing home. This is routine care, like help eating food, taking medication, showering, using the bathroom, eating and drinking, and moving around. Everyone from Alzheimer’s patients to people who have simply grown old will often choose to move to a nursing home only because they need this type of custodial care. Medicare will not pay anything when someone moves to a nursing home because they simply cannot live alone or handle these routine tasks of daily living independently any more.
Qualifying for Medicaid to Get Nursing Home Care Covered
If Medicare won’t pay for your nursing home, as it likely won’t, you’ll need to explore other options for getting the costs of care covered. Medicaid will pay for nursing home care, but the Medicaid benefits program is means-tested so you’ll need to have limited financial resources in order for Medicaid to pay for you.
You can make a Medicaid plan to try to protect your assets instead of having to spend them on a nursing home and impoverish yourself for Medicaid to begin picking up the bills for your nursing home.
Getting Help from A Worcester Medicaid Planning Lawyer
A Worcester Medicaid planning lawyer at The Law Offices of James A. Miller, P.C. can work with you to determine if you are likely to need Medicaid to pay the bills if you end up needing long term care. Since most people do rely on Medicaid if they don’t want to pay out-of-pocket, our firm will also assist you in determining if you can qualify for Medicaid or if your assets would need to be spent in order for you to get covered.
If your assets are at risk, our legal team can help you to make a personalized asset protection that is right for your specific situation. We offer Medicaid crisis planning to protect as much of your wealth as possible if you need care right away, as well as assistance in planning ahead if you want to take steps to ensure the security of your assets before you need care.
Join us for a free seminar to find out more about the ways in which our legal team can help with a Medicaid plan, or give us a call at 866-370-3888 or contact us online to get personalized advice today.
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