To be eligible for Medicaid long-term care (at home, in the community, or in a nursing home), an applicant must have income and assets under a specified amount. If the applicant’s income or countable assets exceed Medicaid’s financial limits in their state, it is possible to become eligible by “spending down” one’s income or assets to the point where they become financially eligible. However, there are Medicaid spend down rules about how one can legally spend down their financial resources. One such rule prohibits gifting, and if this rule, or any of the other spend down rules are violated, the applicant will be denied Medicaid.
To be eligible for Medicaid long-term care (at home, in the community, or in a nursing home), an applicant must have income and assets under a specified amount.
If the applicant’s income or countable assets exceed Medicaid’s financial limits in their state, it is possible to become eligible by “spending down” one’s income or assets to the point where they become financially eligible.
However, there are Medicaid spend down rules about how one can legally spend down their financial resources. One such rule prohibits gifting, and if this rule, or any of the other spend down rules are violated, the applicant will be denied Medicaid.
Social security and medicare are federal programs for senior citizens. Their eligibility are same all over USA.
Medicaid, the insurance for poor people, for various political reason, became a program that federal and state pays for 50-50 cost. and it is administered by individual states. It's eligibility varys based on state.
Say "medicare / medicaid" ten times, and you'll get it.
一年十万，一般不超过三年，三十万，这是目前价格，以后肯定更高
现在把30万放入基金？祈祷市场不crash？每年return 6%？应该无忧了？
一般人至少有一幢房子，还有一定的医疗保险。
先用医疗保险，大概可以有一年的时间，看各人的保险。
然后的费用用自己的房子和院方讨论，大体做法是他们评估你的房子价格，同意照顾你到去世。你的房子以后就归他们。也有多退少不补的。
好处是房子的价格基本是能够抵消通胀的，而你的现金可用来改善生活。缺点当然很明显，但这是一种选择。
What is Medicaid Spend Down
To be eligible for Medicaid long-term care (at home, in the community, or in a nursing home), an applicant must have income and assets under a specified amount. If the applicant’s income or countable assets exceed Medicaid’s financial limits in their state, it is possible to become eligible by “spending down” one’s income or assets to the point where they become financially eligible. However, there are Medicaid spend down rules about how one can legally spend down their financial resources. One such rule prohibits gifting, and if this rule, or any of the other spend down rules are violated, the applicant will be denied Medicaid.
https://www.medicaidplanningassistance.org/medicaid-spend-down/
To be eligible for Medicaid long-term care (at home, in the community, or in a nursing home), an applicant must have income and assets under a specified amount.
If the applicant’s income or countable assets exceed Medicaid’s financial limits in their state, it is possible to become eligible by “spending down” one’s income or assets to the point where they become financially eligible.
However, there are Medicaid spend down rules about how one can legally spend down their financial resources. One such rule prohibits gifting, and if this rule, or any of the other spend down rules are violated, the applicant will be denied Medicaid.
Social security and medicare are federal programs for senior citizens. Their eligibility are same all over USA.
Medicaid, the insurance for poor people, for various political reason, became a program that federal and state pays for 50-50 cost. and it is administered by individual states. It's eligibility varys based on state.
Say "medicare / medicaid" ten times, and you'll get it.
脑子瓦特了。
比如说两个老人，老奶奶要进养老院，老爷爷还健康，法律说自住房不算countable asset，这样老爷爷还不至于无家可归，老奶奶也可以享受福利。
It's medicaid, not medicare.
蓝州可能较宽松，有些红州是否有MediCaid，怀疑。
逢节日发给她的食物吃不完，像奶粉和各种干粮一类的，她就会分送给别人，这样的食物给我们，我们不会要吃的，不是什么好东西。但是还是用税收购买的，很浪费。
可以自己先付钱住进去，钱用完了再由Medicaid付。朋友的妈妈就是自费住了3年，钱没了，政府付。不知道这种情况下，如果房子转给子女，老人走后Medicaid是不是还会拍卖房子。
现在我们这边好的养老院（贵的）都有很严格的资产要求，要先付50万-100万才能住进去，这样即使存款用完了，还可以坚持若干年。
嘿嘿。卖掉1、2个出租房不就不用吊死了？
老九不能走啊！我们都需要你！
皮肤红润，声如洪钟，再住十年不在话下：）
先花自己的钱，花完了MediCaid救助，听起来是Long Term Care 保险。
朋友里有几个住到本地的retirement community 去了。都是付了50万-100万的入住费（夫妇俩），然后每月7000-1万的租金（包餐），自己付着。
自己的钱用光付养老院，房产留给孩子。
很快得了重病去世了（可能住房条件差病毒多）。
有些人太 聪明 。