Wondering what facilities in your area might meet with Medicaid's qualifications? Obtaining certification status of nursing homes is somewhat easier due to an available online resource through the Indiana State Department of Health website www.in.gov/isdh/reports/QAMIS/ltcdir/index.htm .
Not all nursing homes are certified to accept Medicaid recipients. And some nursing homes that are certified providers do not certify all of their beds for Medicaid. Since a Medicaid recipient must be residing in a certified bed prior to Medicaid covering their care, obtaining certification information is vital.
This valuable site lists each facility and identifies it as:
- SNF for Medicare only beds
- NF for Medicaid beds
- SNF/NF for beds certified for both Medicare and Medicaid
- NCC for beds not certified for either Medicare or Medicaid
- RES for residential care. (Residential care is not a nursing home level care facility).
Medicaid recipients hoping to use their Medicaid coverage for long term care must be in or move into a NF or SNF/NF certified bed prior to obtaining Medicaid coverage for their nursing home care. This is just one of the resources that have been made available for seniors and their loved ones who wish to get the long-term care they need without putting their entire family's financial security on the line.
With long term care and nursing home rates escalating, it's not surprising that many families will find it easy to spend a large portion of their savings during the first few years of care. Yet many simply aren't aware that they could qualify for long term care coverage through Medicaid. The program is designed to assist seniors with the staggering cost, including: doctor bills, hospital bills, skilled nursing facilities, etc.
If you have a loved one in a nursing home or are ready for immediate placement and considering options and you'd like to maximize your resources, talk to an experienced attorney about Medicaid Planning. There are a number of legal tools and strategies (approved by the state and federal government) to help you reallocate assets and modify income streams in order to fall within Medicaid's income and resource requirements.
What does that mean for you? That means that you do not have to be impoverished to qualify for Medicaid benefits. It also means that you likely do not have too much income to qualify. And it means that you do not have to use up your resources and “spend down” any assets before you can qualify.
If you want to find out how you can qualify for benefits from the government to pay for your long-term care, without having to sacrifice everything you've worked so hard for during your lifetime, get in touch with one of our team members to schedule a complimentary consultation with Grunden Law Office. You can call 260-969-1177 or email [email protected]