Medicaid Law

1. What is Medicaid?

    Medicaid is welfare health care coverage; nursing home payments for those under the income cap.

3. What services does Medicaid cover?

    Nursing home bills

    Doctor bills

    Prescriptions

4. What if I have Medicare?

    Medicare will be your primary coverage, Medicaid would be secondary

5. If a person thinks they are in need of help, when should they make an appointment?

        Immediately, it takes time to gather all the information the Board of Social Services

        requires to be approved for Medicaid.

6. Does a person need an appointment prior to going to the Medicaid office?

    Yes, you should be aware of all the options you have.

7. Do you have to tell the Medicaid intake worker all of your assets when you apply for Medicaid?

    Yes, or its fraud.

8. What if I have other Health Insurance (BC/BS, AARP)?

    You will have an option of keeping it, if you what to keep the insurance the premium will be

    deducted from your monthly income.

9. How are Life Insurance policies looked at?

    If it’s a Group Policy - they have no surrender value, they are only payable upon death so

    they are exempt.

    Any other policy that has a surrender value is looked at as an asset and can be surrendered

    and added to the spend down, assigned to a funeral home to pay for a prepaid burial.

      Yes

11. How is the community spouse protected?

    Can purchase a new car if needed

    Repairs to the home

    Purchase appliance needed in the home;   

12. What is the current look back period on resources and Trust?

    Resources - bank accounts - 5 years

    Trust - 5 years

13. What are resource limits?

    $2,000.00 - Medicaid only

    $4,000.00 - Medically Needy, New Jersey Care

14. What is the Medicaid income limit?

    $1,869.00

15. What is the ceiling for community spouse?

    Minimum $20,328.00

    Maximum $101,640.00

16. What is the  maximum for spousal allowance?

    Minimum $2,488.50