RAO Davao City

United States Military Retiree Activities Office Davao City, Philippines

LONG TERM CARE AND MEDICAID 2 June 2008

Posted by Service Officer on June 2nd, 2008

If you qualify for Medicaid, a federal and state program that covers medical care for people with low incomes and very little assets, it will pay for nursing home care and other long-term care (LTC) costs that Medicare does not cover. Medicaid may also pay for some LTC services provided at home. Medicaid is the country’s largest public payer of long-term care services. Most people with long-term care needs spend down their assets until they are eligible for Medicaid coverage. The Medicaid program varies a great deal from state to state, as well as within each state. This is because within broad national guidelines set by the federal government through the Centers for Medicare and Medicaid Services (CMS), each state can:

• Establish its own eligibility standards;

• Determine the type, amount, duration and scope of services;

• Set the rate of payment for services; and

• Administer its own program.

Each state has its own method of determining eligibility depending on your age, family size, medical condition and financial situation. Generally, to be eligible for Medicaid, your monthly income must be less than $867 in 2008* ($1,020 for couples). You also must have little or no assets (savings and investments). If you have high medical expenses, you may still qualify for Medicaid if your income is more than $867 in 2008* ($1,020 for couples). Income levels are based on the Federal Poverty Level (FPL), which goes up every year in February or March. For a list by state of Medicaid descriptions and plans refer to http://64.82.65.67/medicaid/states.html For a list of Medicaid benefits by state refer to http://www.kff.org/medicaid/benefits/state_main.jsp. [Source: Medicare Rights Center www.medicareinteractive.org May 08 ++]

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