Who is eligible for Medicaid?

Eligibility criteria vary by state but generally include income level, household size, age, disability status, and other factors.

What documents do I need to apply for Medicaid?

Required documents may include proof of identity, proof of income, proof of citizenship or immigration status, and other supporting documentation. You can download our free printable guide here.

Can I choose any skilled nursing facility for Medicaid coverage?

Medicaid coverage for skilled nursing care may be limited to approved facilities within the Medicaid network. It's essential to check with your state's Medicaid agency or healthcare provider for information on approved facilities and coverage options.

What is a "Miller Trust" or "Qualified Income Trust" (QIT), and do I place my assets into such a trust?

A Miller Trust or QIT is a legal tool used to help individuals qualify for Medicaid when their income exceeds the program's eligibility threshold. Whether you need to establish such a trust depends on your specific financial situation and Medicaid eligibility status. Consulting with a qualified attorney or Medicaid planning professional is recommended to determine if a Miller Trust or QIT is necessary for your circumstances.

Will I, as the spouse that lives at home (the "community spouse"), be allowed to keep any of my spouse's income if such spouse lives in a nursing home (the "institutionalized spouse") and is on Medicaid?

In Alabama, the community spouse is entitled to a minimum monthly maintenance needs allowance, which allows them to retain a portion of the institutionalized spouse's income for living expenses. The exact amount may vary depending on individual circumstances.

If we get my loved one on long-term care Medicaid, are we going to lose the family home?

In Alabama, the primary residence may be considered an exempt asset for Medicaid eligibility purposes, meaning it is generally not counted as a resource when determining eligibility for long-term care Medicaid. However, certain rules and limitations may apply, so it's essential to seek guidance from a qualified Medicaid planning professional.

Can I transfer or give away my assets to obtain long-term care Medicaid?

Asset transfers or gifts made for the purpose of qualifying for Medicaid can result in penalties and affect Medicaid eligibility. Alabama follows federal Medicaid rules regarding asset transfers and imposes penalties for transfers made within the Medicaid look-back period.

Can the community spouse keep several hundred thousand dollars (if not more) and still get Medicaid eligibility for his or her spouse without having to change the nature of resources of the community spouse?

Under certain circumstances, the community spouse may retain a portion of the couple's combined resources, known as the Community Spouse Resource Allowance (CSRA), without affecting the institutionalized spouse's Medicaid eligibility. The CSRA amount may vary based on state regulations.