Connecticut Medicaid Benefits
We are CT Medicaid Specialists, and we help people who have questions about medicaid eligibility in Connecticut. Medicaid, or Connecticut Title 19 may be a real option for you or a loved one struggling with a debilitating health condition. Millions of American children, adults, and seniors suffer from chronic illness and disability. Long-term care services are an important component in the rehabilitation process. Many seniors are surprised to find that this type of care is not covered under Medicare. Actually, Medicaid is the primary payer across the nation for long-term care services. Medicaid allows for the coverage of these services through several vehicles and over a continuum of settings, ranging from institutional care to community based long-term services and supports. Health Insurance and Medicare pay the bills for acute medical needs, not daily maintenance. Medigap addresses co-payments and deductibles under Medicare, but not the costs incurred from assistance with dressing, bathing, eating, personal care, toilet duties and other routine, daily activities. These activities describe Long Term Care (or Long Term Services and Supports). If you have not been able to prepare early on with a long term care insurance policy and you do not have the resources to pay the $400 per day average expense for care in a nursing facility, Title 19 may be your only recourse. Are you looking for help paying for Long Term Care for yourself or a disabled loved one? Connecticut Medicaid, or Title 19, may be your only option.
The Medicaid application process can be confusing, and we are here to help. Do you qualify for Connecticut Medicaid Benefits? To be eligible for Title 19 (Medicaid), you must meet certain physical and financial requirements. There are special eligibility criteria for persons needing long term care. First, you must be a citizen of the United States OR an eligible non-citizen and a resident of Connecticut. You must tell the State of CT about all assets, either owned solely by you or owned jointly with someone else. Assets include, but are not limited to, bank accounts, certificates of deposit, stocks and bonds, cash surrender value of life insurance policies, and non-home property. Non-home property is excluded for as long as the individual is making a bona fide effort to sell the property. Your home is not counted as an asset while you own and live in it as your primary residence. Income limits are strict; those who have too much income can still get Medicaid by deducting medical bills from their excess income (this is called "spend-down").
Medicaid pays for medical care for people who do not have enough money to pay their medical bills. Nursing home care is only one type of care paid by Medicaid. If you qualify, Medicaid will pay for your nursing home care and most of your costs while you are in a nursing home, including doctor visits, a shared room, hospital care, medicine, meals, tests, treatments, and equipment your doctor says you need. CT Medicaid Specialists are intimately familiar with the Connecticut Medicaid application process. Our counselors will assist you in collecting 60 months of financial statements, determine the extent of your assets, determine expenses that can be deducted during the spend down, and more. Families of Medicaid applicants and attorneys have found CT Medicaid Specialists to be efficient and helpful in making the Medicaid application process easier and to ensure applications are filed correctly. Our staff can advise on current Medicaid requirements and restrictions and will work directly with the family and client to ensure the process is as easy as possible. Call 860-490-6772 today.