8:30AM - 4:30PM

Office Hours Monday - Thursday

(304) 757-6360

West Virginia Location

(614) 214-9563

Ohio Location


Video Consultations Available


Medicaid Planning and Application

The cost of Nursing Home or Long Term Care is expensive.  For most people, the only way they are able to pay for Long Term Care is with Medicaid. Planning and applying for Medicaid can be overwhelming.  Whether you are applying for or planning for Medicaid The Law Office of Michael J. Bell, PLLC can help with this complex process.

Strict rules govern the Medicaid Process and we can help you navigate them while preserving your assets.

couple sitting at table reviewing Elder Law & Medicaid Planning

Frequently Asked Questions About Medicaid Planning and Application


MEDICAID is a federal-state assistance program operated by state governments. It provides assistance with medical costs for families and individuals with limited income and assets. This includes children, parents, pregnant women, seniors, and those with disabilities. It covers doctor visits, hospital stays, long term medical care, custodial care, and other health costs.

How is MEDICAID different from MEDICARE?

MEDICAID and MEDICARE are federally sponsored programs designed to help with health care and medical costs. MEDICARE is available to anyone 65 years of age or older or to anyone who is disabled. MEDICAID is an income-based program. To qualify for MEDICAID, you must meet strict income and eligibility requirements. You can qualify for both.

Will MEDICAID pay for long term care?

MEDICAID will pay for long-term care in a nursing home. Many seniors rely on MEDICAID to pay for their nursing home care. If you meet the strict asset and income requirements MEDICAID will pay for 100% of your long-term care.

What is the five year look back period?

Any gifts or transfers that you have made five years prior to your application for MEDICAID are reviewed to determine if you are subject to a penalty period of MEDICAID ineligibility. If you made any gifts or transfers prior to this five-year period, they will not be reviewed.

How soon should I start planning for MEDICAID?

Ideally, MEDICAID planning should occur long before the need for long-term care. However, no one can see into the future and see when then they will need this type of care. If you are not able to plan early, there are still steps that can be taken to help with the MEDICAID process.

What is MEDICAID Planning?

MEDICAID planning is part of your estate planning. The purpose of MEDICAID planning is to help ensure that you qualify for MEDICAID while protecting your assets for your loved ones. An attorney can help you develop and execute a MEDICAID planning strategy to help preserve your assets.

What is MEDICAID Crisis Planning?

Not everyone plans ahead, or they unexpectedly face a need for long-term health care. MEDICAID crisis planning is when you or a loved one has an immediate or near immediate need for MEDICAID. Even though you were not able to plan for your long-term care needs, there are strategies available that you can use.

What is the Medicaid “spend-down” requirement?

In order to qualify for MEDICAID, you must meet certain income and asset requirements. If you are above those limits, you will need to use your assets to cover your long-term care expenses. MEDICAID will allow you to “spend-down” your income or assets on approved expenses in order to qualify for MEDICAID.

Do you need legal help or consultance? Contact us now.


“We don’t grow older, we grow riper.”

– Pablo Picasso