Category: Medicaid Planning

CMS Revises Hospice Medications Guidance

When Medicare beneficiaries elect the hospice benefit, they waive Medicare coverage for all care and services related to the terminal illness that are not on the hospice plan of care and provided through the hospice provider. This means that when a terminally ill beneficiary elects hospice, all of the medications needed to control the pain [..]

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Is That Hospice Safe?

The typical hospice in the United States undergoes a full government inspection about once every six years, according to federal figures, making it one of the least-scrutinized areas of U.S. health care — even though about half of older Americans receive hospice care at the ends of their lives. By contrast, nursing homes are inspected [..]

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Programs Available to those in Need of Long-Term Care


Seniors have limited options in regard to paying for long-term care. When organizing long-term care, individuals and families must navigate the benefits and requirements of numerous programs, support systems and products, such as: 1.         The Role of Medicare Medicare is an unfulfilled promise for many Americans with chronic illnesses. Under this program, eligibility is determined [..]

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Medicare Part D Premiums Up $1 from Last Year

Medicare Part D premiums are expected to stay relatively flat in the next few years, according to a new report, despite concerns with rising cost of specialty drugs. The Centers for Medicare and Medicaid Services said it estimates the premium for a basic Medicare Part D plan will only go up $1 next year to [..]

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Medicaid Planning Facts

Medicaid Planning Facts 5 of 5 When people do become eligible for Medicaid, regardless of whether they have engaged in Medicaid planning, they must pay all but a small portion of their income each month for their care; Medicaid then pays whatever the difference is between that amount and the Medicaid rate. Thus, costs to [..]

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Medicaid Planning Facts 4/5

4 of 5 No one yearns to be on a program like Medicaid. Seniors engage in Medicaid planning mainly because they find themselves in a “lose-lose” corner. First, they lose their health and require long-term care and come face-to-face with nursing home costs averaging $81,030 for a semi-private room and $90,520 for a private room [..]

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Medicaid Planning Facts 3/5

3 of 5 Medicaid planning is neither “gaming the system” nor terribly widespread. Medicaid planning is about meeting the needs of real people faced with potential long-term care costs that are beyond the means of all but a tiny percentage of the population. The activity that is truly widespread is informal unpaid family caregiving of [..]

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Medicaid Planning Facts 2/5

2 of 5 Planning to pay for long-term care, including Medicaid planning, is the rational process engaged in by families faced with the prospect of paying more than $81,000 or more per year for nursing home care. The long-range solution to concerns about Medicaid planning is the creation of a system that builds on Medicare, [..]

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Medicaid Planning Facts 1/5

Part 1 of 5 Medicaid planning describes legal changes in one’s estate plan, one goal of which may be to obtain or preserve Medicaid coverage when private coverage options are untenable. Medicaid planning is legal and accepted under federal law. It is not fraudulent or illegal. Medicaid planning is not cheating. Current rules, enacted by [..]

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