Mom's financial situation was not horrible at the start. However, as she needed more and more care, her cargiving and medical expenses began to increase into the thousands of dollars per month. When I placed her in an Assisted Living Facility, I learned that Medicaid could pay for part of that cost, but NOT all of it. That is when I began to research and pursue Medicaid assistance. And I quickly learned how difficult that process is. She was approved for Medicaid, but it took me almost a year to get there.
Medicaid is a huge topic. I will try to simplify it here based on personal experience, but my first and strongest recommendation is that you consult with a law firm that specializes in Elder Law and Medicaid applications.
Understanding Medicaid
Medicaid is a joint federal and state program in the United States that provides health insurance to individuals and families with low incomes, as well as certain eligible groups such as pregnant women, children, elderly adults, and people with disabilities. The program helps cover medical costs, including hospital stays, doctor visits, preventive services, long-term care, and prescription drugs, depending on the state and the individual’s needs.
Medicaid is funded by both federal and state governments, but the program is administered at the state level, which means each state sets its own guidelines within federal standards. Eligibility and coverage can vary significantly from one state to another, as states have the flexibility to expand or limit Medicaid services.
Medicaid is distinct from Medicare, which is primarily for people over 65 or those with certain disabilities, regardless of income.
