By Goldie Ribiat
Over the past many years, I have had the privilege of meeting many families concerned for the care of their loved ones and most frightened of the prospect of applying for Medicaid. Without a doubt, the actual application process is enough to send one’s blood pressure soaring. However, as complicated and as difficult as it is, their primary concern is always caring: “once I get past this what will happen to mom/dad” “will they continue to get cared for properly” “will they be left penniless without any options for services” “will their needs be met with compassion and dignity” Of course if there is a spouse the concerns are two-fold. How will the spouse survive financially after spending down? Where will he/she live and can they maintain their lifestyle choices?
Suggested content: https://theconnectionsnj.com/health-hotline-why-medicaid-is-relevant-to-you/
Medicaid for the ABD (aged, blind, disabled) truly is the solution to this dilemma. Ideally, everyone wants to remain at home, and if appropriate Medicaid will provide home care services. Of course, the level of care would be higher in a nursing facility but for the right person with the right program in place, this ideal placement can very well be a reality. Unfortunately, when someone requires 24/7 care their only option may be long-term care (either a nursing home or an assisted living). But rest assured wherever one chooses for care-your loved ones will be taken care of and Medicaid will cover medical expenses.
Another common question: Why Medicaid? I already have Medicare? While the 2 words sound similar the programs offer very different services. Medicare is an entitlement to those that paid in and are eligible for this insurance. While many health care professionals accept Medicare insurance, Medicare does not provide long-term care services. Here comes Medicaid to the rescue! And as long as the individual continues to meet the Medicaid criteria they can remain on this program for life.
Medicaid offers an array of benefits for the community and most importantly will cover full costs at a Nursing Home as well as an Assisted Living. (The applicant’s income is always turned over as the cost share.)
MEDICAID DONE RIGHT: This all sounds amazing for one needing this assistance, however in order to qualify you must go through the very grueling and tedious Medicaid application process. This requires a 5-year financial look back that is very detailed and many other verifications are needed as well.
The financial process is the most daunting and most involved. Many accounts may have been forgotten as they have since been closed but these too are subject to verification. The process must be done properly and the Board of Social Services can and will ask for verification to be submitted within a specified time period. Deadlines must be met or the application will be denied.
While it’s reassuring to know care is available it is important to meet the very strict criteria imposed by the state.
Please look ahead for future discussions to address many of the issues relating to this process.
Please visit us at www.applicationpros.com or call for any questions you may have.