KNAPPMANN LAW

LAW OFFICE: (734) 931-0440 / FAX (734) 224-6126  2836 W. Jefferson Ave., Trenton, MI  48183
Probate - trusts - WILLS - ESTATE PLANNING - POWERS OF ATTORNEY
​MEDICAID PLANNING - ELDER LAW - VA BENEFITS

ESTATE PLANNING   PROBATE  

TRUSTS      WILLS      ELDER LAW
GUARDIANSHIP     Conservatorship
POWERS OF ATTORNEY  Crisis Planning   

MEDICAID PLANNING   Insurance Issues     
VETERAN / VA BENEFITS 

Aid & Attendance Benefits

The Affordable Care Act  provides Americans with better health security by putting in place comprehensive health insurance reforms that will:

Expand coverage
Hold insurance companies accountable
Lower health care costs
Guarantee more choice
Enhance the quality of care for all Americans

The Affordable Care Act actually refers to two separate pieces of legislation — the Patient Protection and Affordable Care Act (P.L. 111-148) and the Health Care and Education Reconciliation Act of 2010 (P.L. 111-152) — that, together expand Medicaid coverage to millions of low-income Americans and makes numerous improvements to both Medicaid and CHIP.



As reiterated previously, Medicaid is a joint federal and state government program that helps people with low income and assets pay for some or all of their health care bills. It covers medical care, such as doctor visits, hospital costs, long-term care services in nursing homes, and long-term care services provided at home, such as visiting nurses and assistance with personal care. Unlike Medicare, Medicaid does pay for custodial care in nursing homes and at home.​​

What is Long Term Insurance? 


Long-term care insurance is not like traditional health care insurance. Long term care insurance is designed to cover long-term supports and services. This including personal and custodial care in a variety of settings such as your home, a community organization, or another other facility. 


Long-term care insurance policies reimburse policyholders a amount daily (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.  You can select a range of care options and benefits that allow you to get the services you need, where you need them. The cost of your long-term care policy is based on:

  • The maximum amount that a policy will pay per day
  • The maximum number of days (years) that a policy will pay
  • How old you are when you buy the policy
  • The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay.
  • Any optional benefits you choose, such as benefits that increase with inflation


Normally the sooner you consider your options and execute a plan, the more time, money, and stress you can spare yourself. This includes allowing yourself time to investigate, research and select a plan. Don't wait until it is too late. ​

"One of the most simple things anyone can do before applying for medicaid, is prepare to have a better chance of qualifying."

Most of the long-term care insurance policies have limits of how long and how much they will pay. There are  policies available that will pay your long-term care for two - five years. There are other insurance policies that will pay your long-term care costs for as long as you live without cost/cap limits. But there are very few that have no such limits/caps.


Whether you qualify for medicaid, or not there are affordable options available if you plan ahead. Many underestimate planning for Medicaid, Long-Term Care, Crisis Care and they do not think about protecting their assets if something critical arises. The people that prepare and plan are always better off, being protected and are happy they took action. There is a growing need for the legal guidance through this complex ever changing medicaid system. That is why the  Estate Planning and Elder Law Division has been expanding locations at the Law Offices of John Knappmann. 

Michigan Medicaid Overview


Medicaid is a program for eligible persons who need help paying their medical bills.

Michigan Medicaid Eligibility Requirements - Non Income
Enrollees must be U.S. citizens or qualified aliens living in Michigan.



Documents you need for Michigan Medicaid Application

  • Proof of Citizenship, status as U.S. National, or Immigration Status
  • Proof that you live in Michigan
  • Proof of income
  • Proof of pregnancy if you are pregnant
  • Proof of deductions and expenses for childcare, dependent care, elderly care, etc.

​​


Michigan Medicaid Benefits


Benefits include ambulance, dental, doctor visits, surgery, vision, family planning, health checkups, hearing and speech, home healthcare, hospice, hospitalization, lab and x-rays, personal care services, prenatal care, immunizations, medical supplies, nursing home care, medicine, mental health care, substance abuse treatment, physical therapy.



Medicaid Related to Children - Michigan Medicaid & Chip Eligibility Levels

​​

Modified adjusted gross income (MAGI) eligibility levels for Michigan Medicaid and Children's Health Insurance Program (CHIP). See below:


-ELIGIBILITY LEVELS-

MEDICAID: CHILDREN'S HEALTH INSURANCE PROGRAM (CHIP)

​​​​​​States set their own Medicaid eligibility guidelines. The program is aimed for people with low income, but eligibility also depends on meeting additional requirements based on things such as pregnancy status, age, disability status, citizenship and assets.


About Michigan Medicaid

Michigan is required to provide Medicaid services for people who fall under specific categories of need in order for the state to receive matching funds from the federal government. Groups that the federal government considers "categorically needy" for Medicaid include:

  • Special protected groups such as individuals who lose cash assistance due to earnings from work or from increased Social Security benefits.


  • Supplemental Security Income (SSI) recipients.


  • Individuals who meet the requirements for the Aid to Families with Dependent Children (AFDC) program that were in effect in their state on July 16, 1996.


  • Recipients of adoption or foster care assistance uner Title IV of the Social Security Act.


  • Children born after September 30, 1983 who are under age 19 and in families with incomes at or below the Federal Poverty Level (FPL).


  • Children under age 6 whose family income is at or below 133% of the FPL.


  • Certain Medicare beneficiaries.


  • Pregnant women with family income below 133% of the FPL.


  • It is possible that states may provide Medicaid to other groups that have similarities but that are more broadly defined. These other groups include:


  • Low-income institutionalized individuals.


  • Infants up to age 1 and pregnant women whose family income is not more than a state-determined percentage of the FPL.


  • Certain uninsured or low-income women who are screened for breast or cervical cancer.


  • Certain low-income and low-resource children under the age of 21.


  • Certain aged, blind, or disabled adults with incomes below the FPL.


  • Certain "medically needy" persons, which allow States to extend Medicaid eligibility to 


       persons who would be eligible for Medicaid under one of the mandatory or optional groups.


  • Certain working-and-disabled persons with family income less than 250% of the FPL


  • Some individuals infected with tuberculosis.

About Medicaid

General guidelines for the Michigan Medicaid eligibility requirements. This is an assistance program that provides medical coverage for low-income people of all ages. The department that handles the Medicaid program is Michigan Department Community Health. 


What is Medicaid?

Medicaid is defined as a government medical service program that helps individuals and families with low incomes.


How is Medicaid rolled out in each state?


The federal government is the primary oversight of the medicaid program that each state is responsible for executing and following these basic procedures:

  • Each state administers its own Medicaid program


  • Sets the rate of payment for services


  • Determines the duration, type, scope and amount of services.


  • ​Establishes its own eligibility standards.​​​

Medicaid Planning

"Some Medicaid offices have a 30 day reapply wait period."

Don't stress about complicated medicaid applications, qualifications and programs. Our legal services will streamline the entire process for you, and help you prepare before applying for medicaid health programs.