How to Move From Private Pay to Medicaid in Nursing Homes

Moving into a nursing home can be a difficult and stressful event for the elderly person and her family. Financial worries often top the list of concerns, as homes are expensive, averaging $3,000 to $5,000 a month. Only a minority of nursing homes are covered by health insurance. The remainder are paid by the individual residents (private pay), or by Medicaid, which is a federal medical insurance program administered by states.

Things You'll Need

• Documents which prove identity and financial status

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Instructions

Preparation

• 1

  Some elderly people need the additional care a nursing home can offer.

  Prepare for the move as thoroughly as possible. Check that the nursing home accepts Medicaid residents before moving in. If the home is Medicaid approved ask for an application form before your private resources actually run out. You or your family should ask for advice on Medicaid eligibility as early as possible.

• 2

  Check that you qualify for Medicaid funding. Each state has requirements about the maximum assets and income you can have before qualifying. These are usually less than $2,000 for each category. There are exemptions, for example, a house and vehicle if your spouse is still living at home. Complete the Medicaid application while you still have some money to pay a couple of month's fees, as your application will take a while to process.

• 3

  Fill in the detailed application form, if necessary getting help from a relative or advocate. Provide the documentation required by your local social security office. These will include a birth certificate, and bank accounts and statements. You will also need your Social Security card, medical insurance card, and evidence of any assets including trusts, policies and shares. Send in your application.