Q: Do I need to pay someone to apply for Medicaid for me?
A: The simple answer is No. The reason is many insurance companies provide such services for free, and if you choose to apply on your own, the government agency will not charge you fees either. If you still decide to hire a firm or an individual to apply on your behalf, be ware of the fee charged and the legitimacy of the service provider.
Q: Isn't Medicaid for low-income individuals and families?
A: It used to be so. However, since the 1980's, with medical costs soaring, a middle-class couple, owning a home and having limited saving, usually cannot afford long term care costs (Nursing home care can easily cost you $12,000 a month; home care and assisted living has an average cost of $6,000 per month.) Medicaid has become the answer for many senior couples and individuals, low-income or not.
Q: Am I eligible for Medicaid?
Before applying for Medicaid, you do need to know whether you are eligible. This is because if your application is rejected, your next application may have a harder time to be accepted. If you are not eligible, some techniques can be useful for you to work towards becoming eligible. You'll also need to understand some important but confusing jargon. This is where an elder law attorney comes in. Contact a specialized attorney or law firm, such as The Neal Group, LLC, to find out where you are and what you can do.