Older adults or persons with disabilities may require long-term care. This can include nursing homes or other assisted living facilities. Medicaid can help with this often overwhelming endeavor — but you might not know where to begin. However, if you know that you (or a loved one) will need care in the immediate or distant future, you can save yourself stress and worry by planning for Medicaid now. The first step is for you to find out if you meet the Texas state Medicaid eligibility requirements. Contact an experienced estate planning attorney before making any decisions.
How Does Medicaid Help Me?
For older adults and persons with physical or intellectual disabilities, long-term care can become expensive. They or their caretakers may not have the means to access nursing homes or extended care, despite their needs.
Medicaid helps relieve that burden. It is a state and government program that provides free or low-cost health care services to individuals with need.
Do I Qualify?
Eligibility depends on a few factors, including income. Here is a brief overview of Texas state Medicaid eligibility requirements. You must:
- Reside in the state of Texas
- Be a U.S. citizen, national, permanent resident, or legal alien
- Be in need of health care assistance
- Be low income to very low income
You must also meet at least one of these conditions:
- You are pregnant
- You are responsible for a minor (younger than 18 years old)
- You are blind
- You have a disability or a relative in your household with a disability
- You are 65 years old or older
To learn more about the requirements you need to meet, visit the Texas Medicaid website.
What if I Make Too Much Money or Have Too Many Assets?
Your best option is to contact a knowledgeable Elder Law Attorney. They can tell you more about the income and asset rules for Medicaid.
If you need help qualifying for Medicaid, a skilled Medicaid planning attorney can also help you with asset protection planning.
Medicaid Eligibility Requirements in Texas
In Texas, there are certain requirements that one must fulfill in order to be eligible for Medicaid. These requirements are:
- Categorical requirements – A person can only become eligible for Medicaid if they are at least 65 years old, blind, pregnant, or otherwise disabled. They also need to be U.S. citizens. Some resident aliens might also be eligible. Undocumented aliens might be eligible for Medicaid only for emergency coverage.
- Medical Necessity – The applicant must demonstrate a need for skilled nursing care in order to be eligible for Medicaid. In most cases, the doctor’s opinion that the applicant should be living in an assisted living or nursing facility is sufficient.
- Income Eligibility – Medicaid regulations state that the applicant cannot receive more than $2,523 per month in direct income. Miller trusts can often solve problems if the monthly income of the applicant exceeds this cap. Medicaid applicants often face major hurdles in determining income eligibility. Poor decisions by applicants regarding their pensions and other income can block Medicaid eligibility.
- Asset Eligibility – If one spouse enters a nursing facility, then the spouse who is institutionalized will have an asset cap of $2,000. If both spouses are going into a nursing facility, the asset limit for both spouses is $3,000. There are many exceptions to these asset caps. For example, a home worth up to $500,000 is not considered an asset. A home with a spouse still living in it is also not considered an asset. The most difficult aspect of Medicaid eligibility is asset eligibility. This is why speaking to an experienced lawyer for Medicaid planning is very important when it comes to Medicaid planning and eligibility.
Secure Your Future Through Medicaid Planning Today
When you plan in advance for long-term care, you can raise the quality of life for yourself or the loved ones you care for while reducing stress. If you prefer an experienced lawyer to guide you through the Medicaid planning process, call Whitney L. Thompson, Esquire at (979) 318-5079.