A Bad Axe Medicaid attorney can provide you with help in determining if Medicaid will pay for your home healthcare when you require care. Many people end up needing assistance with basic activities of daily living as they get older. If you need help with routine activities, you may want to get this help in your home instead of moving to a nursing home environment.
Unfortunately, the costs of home healthcare can be very high, so you will need to make certain that you are going to be able to afford the costs of care if you want to have a skilled nurse or a nurse’s aide come to your home. This means finding out when and if Medicaid will pay for your care and making smart plans to get your care costs covered. Biddinger & Estelle can provide you with insight on this question and can help you to make sure you are able to get covered when needed.
Will Medicaid Pay for Home Healthcare?
Medicaid does pay for home healthcare under certain circumstances. Kaiser Family Foundation provides details on the circumstances under which Medicaid pays for the cost of getting help at home. As the Kaiser Family Foundation chart indicates, there are wide variations in different state laws regarding the circumstances under which home healthcare will be covered. These variations exist because Medicaid is run as a federal / state partnership and states have leeway to establish their own rules for covering different kinds of care.
In the state of Michigan, Medicaid will pay for home healthcare when care is required for an extended period of time. According to Kaiser Family Foundation, you can get care paid for in your home if you are in need of assistance for a period that will last longer than 60 days. You must meet Medicaid’s specific requirements when it comes to what it means to actually need care.
In order for Medicaid to cover you for any kind of healthcare services, in your home or in a nursing home setting, you also must meet Medicaid’s asset tests. Because Medicaid is a means-tested benefits program, if you have too much wealth, you will not be able to qualify for Medicaid coverage at all – not for home healthcare or for any of the other services that you may require as you get older.
You will need to understand Medicaid’s rules for asset testing in order to determine whether or not you will be able to get home healthcare paid for when you have physical or mental limitations that necessitate that you receive such care. You need to ensure that you can qualify for Medicaid coverage for in-home care because Medicaid is much less restrictive in the circumstances under which care will be paid for than either private insurance or Medicare.
Medicare and most private insurance will not pay for any kind of custodial care at home, which is the type of care that you get when you simply need help with routine activities of daily living like taking a shower or cooking and consuming meals. Medicare and most private insurers also will not pay for routine care in a nursing home but will instead only pay for skilled care. This means if you just need basic help, either in your home or outside of your home, you’ll have to try to qualify for Medicaid unless you want to pay very expensive bills out of your pocket.
Getting Help from A Bad Axe Medicaid Attorney
A Bad Axe Medicaid attorney at Biddinger & Estelle can provide the help that you need to determine if you can qualify for Medicaid to cover the costs of care in your home. Not only will we assist you in understanding Medicaid eligibility rules, but we also provide you with assistance with creating an advanced plan to make certain you protect your assets while ensuring you are not disqualified from Medicaid coverage due to having too many assets. And, if you need home care right away because of an illness or an injury and you have not made a Medicaid plan in advance, we can also help you with crisis planning so you can qualify for Medicaid as quickly as possible while protecting as much of your wealth as possible.
Biddinger & Estelle serves residents of counties from St. Clair to Presque Isle along Michigan’s eastern shoreline, including the Thumb and northeast coast. If you live in or around this area and you want help getting the costs of home healthcare covered, give us a call at (989) 872-5601 or contact us online today.