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• How much does Medicaid pay for home health care?
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Transcript:
Here's what you need to know about Medicaid in Florida, it's important to know that Medicaid is not one thing. Medicaid is not one program. Medicaid is really an umbrella term for multiple different programs, the the three or four programs that I deal with the most of my office, so I'll go kind of in long term care, and then I'll work my way down. So the highest level of long term care Medicaid program in Florida is called the institutional care program or ICP. This is for Floridians who are in rehab or long term skilled nursing facility care, right commonly thought of as a nursing home. And if you know anything about nursing homes, you know that they are very, very expensive. They typically cost somewhere between nine and $12,000 a month, that's kind of like a very standard range that I see in the state of Florida. And for many people that will decimate their life savings. In order to be eligible for the ICP nursing home program to get help paying for a nursing home is your the passive income test and an asset test, meaning if your income is above a certain amount, you do not naturally qualify. And if you have more than $2,000, you also don't naturally qualify. What what people do with kind of a variety of these Medicaid programs is they come to a lawyer like myself and my law firm elderly as a lot we serve all Florida, and people come to us saying that we know we have some money, and we don't want to lose it all to the nursing home, can you get us onto Medicaid, if they're in a nursing home, we would legally and ethically protect their assets and get the government to cover a substantial portion of their nursing home costs. Their nursing home care in a nursing home kind of the deal is once you're financially eligible, meaning your income is below a certain level or if your income exceeds a certain amount, we have what's called a qualified income trust that we can use. But that's kind of a more detailed than what I think there's video warrants. But once you're financially eligible, and in the program that deal with Medicaid is all of your income, less $130 will go to the nursing home, that will be what's called your patient responsibility. And then Medicaid picks up the difference, right. So if you're in a $10,000 per month nursing home and your income is just for round numbers $2,130 Your patient responsibility will be 2000. Medicaid will let you keep $130 for just haircuts and you know, just little odds and ends and toiletries and things like that. And then Medicaid will pay $8,000 difference. So that that's a pretty good deal. Now, there are some exceptions to that if you are married, that the Medicaid recipient was in the nursing, I was married to someone who is not in a nursing home, there is a way to divert a portion of the nursing home residents income over to what we call the community spouse. The idea behind this is not to force the community spouse into abject poverty because they happen to be related married to someone who's in a nursing home, we they also have a higher asset limit, meaning they can keep a decent amount of money in their personal name while the Medicaid recipient can only have less than $2,000. So that's that's kind of the highest level of Medicaid program that we routinely work with. The next level down is for folks who need to either be in an assisted living facility not a nursing home, there's a difference in those two types of you know, they both kind of provide long term care services but the ALS the assisted living facility is a is a lower level a lower lower level of care that's needed. Or my client wants to remain at home. But in order to do so they need home health care, meaning they really can't live independently, but they're not sick enough or they haven't deteriorate enough yet to where they require to be in a facility of some kind. So that program was called the Medicaid waiver program....

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