Medicaid attorneys help you to take steps to ensure that you can afford the costs of long term care, whether you need care provided in your own home or whether you must move into a nursing home in order to receive the care that you require.
There is a substantial chance that some type of long-term care could become necessary as you get older, with the Wall Street Journal reporting that more than 70 percent of people who have reached the age of 65 will eventually require nursing home care at some time during their lifetimes. Unfortunately, if you have not made plans in advance to make certain that you can cover the monetary costs of long term care, you could find yourself with a serious financial problem.
The Law Offices of James A. Miller, P.C. helps you to explore different ways of getting long term care costs covered and provides you with help in taking steps to ensure that you have a plan in place to pay for care that you may need. Contact our Medicaid attorneys today to discuss the types of coverage for long-term care that you may be able to access and to start putting your personalized plans in place in order to afford care.
Your Options to Get Long-Term Care Costs Covered
When trying to cover the costs of long term care, you may have few options. Medicare is typically not a viable solution to try to cover the costs of care because Medicare will only pay for skilled nursing care and will only pay for care for a limited duration under very specific circumstances. Most people who need long term care or nursing home care require custodial care, which is basic routine care that Medicare does not pay anything for under any circumstances.
Private insurance isn’t typically an option either. Health insurance providers typically are not going to cover custodial care or routine care in a nursing home. You could purchase a long-term care policy, but the premiums for these types of policies can often be very high for older people and you may simply be unable to afford to maintain a long-term care policy. Even if you can pay for long-term care coverage, policies often have low daily limits for what they will pay for care or have other restrictions that make them an impractical solution for affording care.
If you cannot get private insurance or Medicare to pay for care in a nursing home or for care provided at home by home healthcare providers, you could find yourself left relying only on other government programs. If you or a loved one served in the military, you may be eligible for programs and services through the Veterans’ Administration that either fully or partly cover the care that you need. If you are not eligible for an veterans’ benefits, however, then Medicaid may be your only choice for getting long term care paid for if you don’t want to pay out of pocket.
Medicaid is a means-tested program and is one of the primary sources of nursing home payments and long term care cost payments for people throughout the United States. You are going to need to make sure that you are eligible for coverage if you hope that Medicaid will pay for your long term care.
Getting Help from Medicaid Attorneys
Medicaid attorneys at The Law Offices of James A. Miller, P.C. will provide you with help in determining if Medicaid is your best source of coverage for long term care costs including nursing home care expenditures. We will also help you to take advantage of any other benefits programs that might help you to cover care.
If Medicaid is your best or only option to pay for a nursing home or home care, we will work closely with you to take steps to protect your assets while qualifying for Medicaid to cover you. We can help you to get your care paid for in a crisis situation while protecting as much of your wealth as possible when you need care immediately and we can also assist you in making advance plans to keep your wealth safe while getting covered as soon as you need care.
To find out more about how a Medicaid plan can help you to get your care paid for without your assets being at risk, join us for a free seminar. You can also give us a call at 866-370-3888 or contact us online to get personalized help with your Medicaid plan.
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