If you’re reaching 65 years of age and you’ve been working through some health issues, you might be thinking that it’s time to apply for Community Medicaid in Hudson Valley. Now, you don’t need to have existing health issues to apply, obviously, but depending on the kind of healthcare you’re going to need, you may have to apply for different types of assistance.
At Prestige Medicaid Consultants, we offer highly specialized advice and assistance to help you ensure that your application is correctly completed and lodged. We also liaise with the relevant authorities to ensure that nothing is left unattended.
Now, there are different levels of Medicaid, and to help you understand this a little better, we’re going to focus on one of those. Community Medicaid in Hudson Valley could be the solution for you if you’re approaching 65 years of age and require ongoing healthcare assistance, but you’re able to live reasonably independently and don’t require to be part of an inpatient custodial program, as in Institutional Medicaid.
What does Community Medicaid cover?
Community Medicaid is for you if you or your loved one can be cared for safely at home or in an assisted living facility. These patients might need help with daily living activities—things like bathing, using the restroom, transferring or eating.
This kind of Medicaid cover includes medical care, adult day care, transportation to and from the doctor and many other special programs. If you have Medicaid, you won’t have to give up your Medicare, and you will in all likelihood want to have both.
It’s important to know that Medicaid cover eligibility is highly complex, and we can’t deal with all of the minor details in this post, so we highly encourage you to call us on 718.362.8282 and let our team help you out.
A rule of thumb for the year 2021 is that a single individual, 65 years or older, must have an income of less than $2,382 / month.
This applies to nursing home Medicaid and assisted living services (in the states that cover it) and in-home care when this is provided through a state’s HCBS Waivers. (HCBS stands for Home and Community-Based Services). Holocaust survivor reparations and COVID-19 stimulus checks are not counted as income.
The Medicaid asset limit also called the “asset test”, is complicated. You should be aware of several rules before trying to determine if you would pass the asset test.
First, there are “countable assets” and “exempt assets”. In most cases, one’s home and furnishings are exempt.
Second, unlike income, which is sometimes counted separately, all of a married couple’s assets are jointly owned and counted towards the asset limit.
Third, the applicant’s or their spouse’s asset transfers are counted up to five years preceding their application date. This is referred to as the Medicaid Look-Back Period, and if one violates this rule, they may be ineligible for Medicaid for some time, so it’s clear that there are many things to consider and you’re going to need some help.
Contact Us for Community Medicaid in Hudson Valley
We offer expert guidance and advice throughout the entire process. We use Elder Law services as a legal partner to ensure that all legalities are correctly accounted for, presented and explained.
For a no-obligation and 100% free quote, call 718.362.8282.
We can help with Medicaid Application Assistance in NYC!