Medicaid Planning

Let’s face it, just the terms Medicaid, Medicare and Arizona Long Term Care System
(ALTCS)
can give you a headache in anticipation of tedious paperwork, confusing government lingo, and typical bureaucratic red tape. The complexity of the ALTCS (Arizona Medicaid) system makes it more difficult to qualify, especially during stressful times, when mom and dad need a home aide or to move to an assisted living or nursing home and you don’t want to use up all of their resources. Fortunately, we understand the ALTCS system and will help you navigate through the application process.

The belief that Medicare covers long-term care is largely a misconception. Medicare will cover 100% of the nursing-home stay for the first 20 days and part of the cost for the next 80 days under limited circumstances. (Supplemental insurance may make up the difference.) The catch to this is that the person in the nursing home has to be making documented improvements in health in order to have Medicare continue to pay.

Frequently Asked Questions and Common Misconceptions About Medicaid

What is Medicaid?
Medicaid is a federal health program, funded by state and the federal governments but managed by the states. It pays for certain medical and long-term care services, including in-home care, assisted living, and nursing homes.

Who qualifies for Medicaid?
This is where things get tricky, because the federal government and state governments have their own eligibility rules. Income and resources are considered, but requirements change each year. Arizona Elder Care knows the ins and outs of Medicaid eligibility. Call us at (928) 639-1583 and let us help you determine the benefit eligibility of your loved one.

What are some of the common misconceptions about Medicaid?

  • If I am in a nursing home and I qualify for Medicaid, the quality of my care will go down.
  • The state will take my money or my home if I apply for Medicaid.
  • If I wish to apply for Medicaid, I must pay privately at the nursing home for two years before Medicaid starts paying for my nursing home care.
  • If I apply for Medicaid, I will not be able to continue seeing my family doctor.
  • I must spend all of my savings on care in order to qualify for Medicaid.
  • If I give any money away, I cannot qualify for Medicaid.
  • I have a trust, so my money is safe.
  • Under the new Deficit Reduction Act (DRA), my assets can’t be protected from Medicaid.
  • I can give each of my children and grandchildren up to $12,000 without affecting my Medicaid eligibility.

If you thought any of these were true, call Arizona Elder Care immediately at 928.639.1583!

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