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Medicaid is run individually by each state and therefore qualifications and rules can be very different -- so a global forum such as this with responders who are NOT professionals is not the place to get advice specific to you and your situation. Please invest in a consult with an elder law/estate planning attorney and/or Medicaid Planner for your state and they can definitively answer your question. You won't regret paying for professional, accurate and thorough advice.
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It really depends I think on on much assets you have. If you have a home with a lot of equity and a decent size savings portfolio than yes you would want to consult and pay a good attorney to best prepare the finances. Even without a lot of savings you want to make sure Medicaid is done right so you are left with enough to live on so I would advise yes to see an attorney
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Medicaid is not like choosing a new health plan. One has to meet requirements, to be at need, both financially and medically to qualify for Medicaid.
It is a good idea to make sure that you each make the best decisions for you individually and a certified elder attorney is a good investment to help you make sure you have done the best you can for yourself and DH.
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There are 3 types of Medicaid.

Health insurance which looks at household income.

"In home" care and longterm care in a NH are similar in the criteria you need to meet. Which is you have assets below a cap and monthly income is below a cap.

As a married couple its not so cut and dry. The spouse not needing the care becomes a Community spouse. If there are assets they can be split with the one who needs care spending down his/her split and then applying for Medicaid. A Community spouse gets all or enough of the monthly income of SS and pensions to live on. In this scenario the Community spouse does not have to go Medicaid too. I gave given just tge basics. States differ.

I agree that a consult with a Elder law Attorney would be a good start. I recommend, though you are very involved with the Medicaid application process. In my State, once the application is made you have only 90 days to spend down any assets, get info to the Medicaid caseworker and place the person. I started Moms application in April. Placed her May 1 where she paid privately May and June. June I proved she was spent down and the caseworker had all paperwork needed. Her Medicaid started July 1st.
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