Community Medicaid is standard health insurance and covers most healthcare such as doctor visits, hospital visits, lab tests, and prescription drugs. Most people in the aged, disabled, and blind category also have Medicare. For them, Medicare functions as their primary health insurance and Medicaid acts as a supplement – covering gaps in Medicare coverage as well as providing coverage for services not covered by Medicare. If someone has a Medicare supplement (Medigap) policy as well, the policy will first pay its share and Medicaid will provide coverage for things that remain.
While Medicaid covers prescription drugs, people with Medicare will not have their prescription drugs paid for by Medicaid directly. Rather, Medicaid will pay Medicare to provide a free Medicare Part D prescription drug plan for these beneficiaries.
Community Medicaid with Long-Term Care provides everything that Community Medicaid does with the addition of community based long-term care services such as home care, adult day care, and assisted living (this includes the CDPAP Program in New York).
Elder Care Advisors of Long Island, LLC has many years of experience in planning, applying, and providing assistance for families to become eligible for Community Medicaid (aka Home Health Care) whether your loved one’s income is $500 per month from Social Security or they have $5mm in investments and other sources of income and resources.
By planning ahead (now necessary as there is a two-year look-back by the Department of Social Services to qualify, or in some cases, moving monies into a Medicaid Qualifying Trust as soon as possible), we are able to ensure your family member will be eligible for these benefits from Medicaid.