Reforms could impact your Medicaid eligibility

| May 6, 2020 | Estate Planning, Family Law, Medicaid eligibility |

Medicaid provides needed medical support for many families. It ensures that vulnerable people, the disabled, and low-income families get essential medical care.

New York’s recent push to reform Medicaid could impact your eligibility – and your health. You need to understand income limits and options if you do not meet requirements.

New York was spending about twice the national average for Medicaid recipients. The reforms and adjusted income limits are designed to correct that problem. Medicaid ensures pregnant women, children, disabled people, senior citizens and low-income people of all ages get needed care.

Medicaid coverage changes and new income limits could keep people from needed healthcare.

New income limit requirements for long-term coverage

  • Institutional/Nursing home care.  Single – $15,750/year; married (both spouses applying) – $23,100; married (one spouse applying) – $15,750/year for the applicant ($128,640 for the nonapplicant).
  • Waivers/help with two or more home and community-based services. Single – $15,750/year; married (both spouses applying) – $23,100; married (both spouses applying) – $15,750/year; married (one spouse applying) – $15,750/year for applicant ($128,640 for nonapplicant).
  • Regular services/needed services for the blind and disabled. Single – $15,750/year; married (both single and dual applicants) – $23,100.

There are additional income limits for people under 65. The number of people in the household determines those limits. There also other restrictions if the applicant is a minor, an infant, a pregnant woman or under 65 and blind or disabled.

There are paths to eligibility

People who do not meet the requirements still can qualify. You could be eligible through the Medicaid Excess Income Program or planning. The program allows you to pay down excess income by covering your medical bills. Once you meet that obligation, Medicaid kicks in.

There are planning strategies that can help you meet requirements. A qualified attorney can help you overcome the obstacles.