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Assisted Living | March 8, 2016 | By Jonita Dixon

Understanding Medicaid for Dementia

carer-assisting-senior-manEven though Medicaid is a vital program when it comes to medical services, it can be hard to understand. Sometimes working with Medicaid seems as though you are trying to solve a complex puzzle that just does not appear to have an end to it.

Knowing what benefits might be available would go a long way towards helping people pay for services in their twilight years. It can help people understand what options might be available when it comes to planning for long-term care.

Dementia And Medicaid Services

Medicaid needs to be thought of as the service that helps fill the gap where Medicare does not cover your medical expenses. There are a number of different services covered by Medicaid. These include:

  • Non-emergency transport
  • Physician visits
  • Home health care services
  • Nursing home facilities

There are programs specifically targeted to those people living with dementia in a number of states. These include memory care units and home-family care options. Because people living with dementia are eventually going to require an assisted living facility, long-term care provided by Medicaid is one of the most important services available.

Financial Eligibility For Medicaid

You have to meet strict income and asset guidelines in order to be financially eligible for Medicaid. In general, the annual income has to be equal or less than the federal poverty level (for a couple it is $1,209, for an individual it is $825). You also have to possess limited assets. There are several assets that do not count towards Medicaid, including owning your own home, a single vehicle, and more.

Applying For Medicaid For Dementia

Filling out a Medicaid application (which you can find online at https://www.medicaid.gov/) is the first step in determining Medicaid eligibility. If you want to think about applying for Medicaid, you will need to garner some proof of residence, bank statements, proof of income, and proof of assets.

Once you complete the application, you should check to make sure that it is accurate and proceed to send it in. Even if you are unsure if you can qualify, you should still fill out the application. You may find that you are surprised by some of the options that you have available.

It is possible to reduce the financial burden for people living with Alzheimer’s disease and other forms of dementia. With the right information and proper planning, it is possible to have the greatest possible quality of life. This will not only reduce the financial burden but also help reduce the stress placed on caregivers.