Senior Living



Son loses mom’s house because of poor Medicare/Medicaid choices


The letter sent to the enrollee’s estate says that the amount recovered by Medicaid will not exceed the value of the estate’s assets, if any. If there is no money or assets in the estate, then there is nothing to recover.

Readers, now you know how Medicaid’s Long Term Care services operate.

My advice to readers whose loved one is receiving Medicaid benefits would be to explore your options and work out a schedule with family members to take care of your loved one. This way you can protect all that they have worked so hard to accumulate.

Toni’s advice:

-- Seek the advice of an Elder Care Attorney who can assist with proper Medicaid planning for the specific state that your parents live in. Keep in mind: No one wants their adult kids or grandchildren to have to take care of their activities of daily living such as bathing, dressing, bathroom problems, etc.


-- Do not rely on advice from well-meaning friends, who are not experts in the Medicare and Medicaid arena.

Readers, traditional long-term care insurance plans offer more flexibility and options than Medicaid. Medicaid long-term care is available for those living on a limited income.

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Toni King is an author and columnist on Medicare and health insurance issues. She has spent nearly 30 years as a top sales leader in the field. If you have a Medicare question, email or call 832-519-8664. Toni’s books and her newsletter are available at Toni’s Medicare Survival Guide Advance edition, a simple guide that puts Medicare in “people” terms, is on sale at You can also schedule a “Confused about Medicare Workshop” for your organization or company by emailing or calling.

Copyright 2024 Toni King, Distributed by Counterpoint Media




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