How to protect home from Medicaid

[monica_maria]

What is the name of your state?What is the name of your state?What is the name of your state? florida

My mother-in-law is a widow for over 25 years and she owns her home. She is on Medicare and has Medicaid as the supplement program to pay her medical and prescription costs.

Several years ago, her mother passed away while on Medicaid and her home was taken. The children had to buy the home from Medicaid to be able to keep the home in the family.

My mother-in-law in trying to keep the same thing from happening to her home. She has several children still living and would like the home to be available to them after she is gone.

How can she protect her home from Medicaid rules? She is limited financially. with her home and property being her only asset.

 

[BlondiePB]

What is the name of your state?What is the name of your state?What is the name of your state? florida

My mother-in-law is a widow for over 25 years and she owns her home. She is on Medicare and has Medicaid as the supplement program to pay her medical and prescription costs.

Several years ago, her mother passed away while on Medicaid and her home was taken. The children had to buy the home from Medicaid to be able to keep the home in the family.

My mother-in-law in trying to keep the same thing from happening to her home. She has several children still living and would like the home to be available to them after she is gone.

How can she protect her home from Medicaid rules? She is limited financially. with her home and property being her only asset.

Since the state of FL knows about your MIL's home and property, it will be up to the state whether or not a lien will be placed on the property. Why isn't your MIL enrolled in a Medicare HMO that covers all her medical costs or has a very low co-payment? There are Medicare HMO's that also have very little out-of-pocket costs for certain prescriptions and no cost for certain prescriptions. Look on the Medicare website for the programs available in FL. Is your MIL also enrolled in the programs available to reduce her utility bill payments?

 

[JETX]

How can she protect her home from Medicaid rules?

I doubt that any RESPONSIBLE person will help you commit 'Medicaid fraud'.

 

[monica_maria]

Thank you for your help.

Thank you for the responses. She has asked us to help her find an arternative to Medicaid so she can withdraw from the program. I will go to the Medicare website and check out the programs there. She looked into AARP but could not afford the monthly payments.

If anyone knows of a reasonable supplement program, I would appreciate the information. Thanks again for your help.

P.S. She is not wanting to commit "Medicaid Fraud" but rather find an obsure "loophole" that might apply to her situation.

 

[JETX]

She is not wanting to commit "Medicaid Fraud" but rather find an obsure "loophole" that might apply to her situation.

Kind of an interesting way to say 'fraud', huh???
Bottom line... WE (the taxpayers) are providing HUGE subsidies so that she can have medicare/medicaid coverage. One of the VERY FEW ways to protect OUR tax dollars is to make sure that those that can really afford it, pay their way. One of the ways to do that is to determine what ASSETS a claimant has... in determining his/her eligibility. By your even asking us to help you come up with ways to try to HIDE her assets so that they are NOT considered in her evaluation... simply ticks me off!! And yes, it IS medicare fraud, no matter how you try to spin it!!!

 

[BlondiePB]

Kind of an interesting way to say 'fraud', huh???
Bottom line... WE (the taxpayers) are providing HUGE subsidies so that she can have medicare/medicaid coverage. One of the VERY FEW ways to protect OUR tax dollars is to make sure that those that can really afford it, pay their way. One of the ways to do that is to determine what ASSETS a claimant has... in determining his/her eligibility. By your even asking us to help you come up with ways to try to HIDE her assets so that they are NOT considered in her evaluation... simply ticks me off!! And yes, it IS medicare fraud, no matter how you try to spin it!!!

You know how I feel about fraud. That's why I gave the OP legal, nonfraudulent means to acquire assistance.

 

[BlondiePB]

Thank you for the responses. She has asked us to help her find an arternative to Medicaid so she can withdraw from the program. I will go to the Medicare website and check out the programs there. She looked into AARP but could not afford the monthly payments.

If anyone knows of a reasonable supplement program, I would appreciate the information. Thanks again for your help.

P.S. She is not wanting to commit "Medicaid Fraud" but rather find an obsure "loophole" that might apply to her situation.

You're just going to have to compare the Medicare HMO programs available on the website. BellSouth has a LifeLine program. Call their customer service center, ask about it, and get the info you require. To assist with electricity, look into LEAP (low energy assistance program). Major pharmaceutical companies do provide those with low income with free medications or at a cost of $5.00 per prescription. Check their websites. All these programs, except Medicare HMOs, do require eligibility proof.

 

[ellencee]

monica_maria
Your mother-in-law has been receiving Medicaid for years, right? The chances of her estate's not having to pay part of the debt is virtually nonexistent.

There is a provision in the law that allows the homeowner to, each year, give away a certain percentage of the home's value to one of the homeowner's heirs. The entire value can not be given away because at the time of the owner's death, Medicaid's lien must be paid.

What will probably happen is: the heirs will have to sell the house and pay the lien to Medicaid, after keeping their % of the sale/ownership.

An elder law attorney in your mother-in-law's state can assist your mother-in-law in protecting a portion of her home/estate.

EC

 

[monica_maria]

Thanks for the advice

Thank you for your advice and yes, she has been on Medicaid for quite some time. There was a time when she was not able to care for herself and could not handle her own financial business. During that peiod, it was a blessing that she had the medical attention she needed. She is doing better now and is trying to understand her financial situation better. She was hoping she could withdraw from Medicaid and be able to afford a supplement program.

She is going to contact an elder law attorney when she gets home and see what her options are. She has never owned much, other than her small home, and was hoping she could leave something that would help her children after she was gone. We (her children and spouses) have let her know her that having her medical needs taken care of is more important than what she will be leaving, but she has her heart set on it.

Thanks again.

 

[Rhubarb297]

I doubt that any RESPONSIBLE person will help you commit 'Medicaid fraud'.

It's people like this that give this forum a bad name. JETX has no clue what he's talking about.

It sounds your mother-in-law should consider setting up a Medicaid Trust. A Medicaid Trust is not Medicaid fraud. Rather it is a common tool among estate planners used to protect the assets of someone at the end of his or her life.

You need to put down your mouse, stop listening to the JETXs of the world who have no legal background, and get a referal for a good elder law attorney in your state.

 

[JETX]

It's people like this that give this forum a bad name. JETX has no clue what he's talking about.

And please tell me how my statement gave you that idea (if you have one). Or is this just some more of your "JETX exposed RubySlippers to be an undereducated, ignorant, idiot; so I am going to make more stupid statements without any basis in facts" attitude??

I'll make you the exact same deal I have made to others.... look at the "thank you" responses to your posts as compared to mine.... even on a prorata basis, mine are about 100 fold (or more) than yours. So, with that, who 'has no clue' on this forum???

 

[LouiseM]

That guy JETX is a piece of work!

My mom has SSI and Medicaid and lives on an income of 500.00 a month, a month! She has a trust set up from her dad that would add another 300.00 a month. She can no longer get SSI.

I guess this guy can live on 800.00 a month right? I hate people who judge and cannot even comprehend being that bad off. They have never gone through it.

 

[JETX]

That guy JETX is a piece of work!

Thank you!!

My mom has SSI and Medicaid and lives on an income of 500.00 a month, a month! She has a trust set up from her dad that would add another 300.00 a month. She can no longer get SSI.

Harsh as it may be.... who cares?? There are lots of people with less.... who aren't intend on trying to commit criminal fraud by falsely reporting their financial standing.

I hate people who judge and cannot even comprehend being that bad off.

And I can't stand those people who think that they have some kind of right to cheat and scam people.... just because they made stupid and lazy choices in life by NOT preparing for their retirement.