Medicaid Planning and the Caregiver Crisis
https://www.thehalelawfirm.com/practice-areas/elder-law/medicaid-planning/
If you or someone you love is at risk of spending down their life savings to pay for the ever-growing cost of long-term care, then we invite you to call today for your free initial consultation. We look forward to exploring the opportunities our long-term care and asset protection planning can provide. The risk of needing long-term care and its related expenses is too great to ignore.
Call today to speak with a Dallas Medicaid planning attorney at the Hale Law Firm, P.C.
The Hale Law Firm, P.C.
417 W Main St
Waxahachie, TX 75165
(214) 446-5080
https://www.thehalelawfirm.com/
The attached slide show illustrates Medicare and Medicaid programs and planning strategies in Rockland County, New York as of February of 2011, and may be construed to be Attorney Advertising.
A Woman's Guide to Health Care in RetirementDolf Dunn
Health care in retirement can be one of the largest expense items for people, especially women. It is crucial you plan on these costs in your retirement budget. Need help? Give us a call.
Many people and advisors understand the need for long-term care protection, but they need help understanding the different insurance solutions available today. LTCI Partners put together a Special Report with case studies looking at different LTC planning solutions -- Stand-alone LTC, Linked-Benefits LTC and Life Insurance with Chronic Illness riders.
The attached slide show illustrates Medicare and Medicaid programs and planning strategies in Rockland County, New York as of February of 2011, and may be construed to be Attorney Advertising.
A Woman's Guide to Health Care in RetirementDolf Dunn
Health care in retirement can be one of the largest expense items for people, especially women. It is crucial you plan on these costs in your retirement budget. Need help? Give us a call.
Many people and advisors understand the need for long-term care protection, but they need help understanding the different insurance solutions available today. LTCI Partners put together a Special Report with case studies looking at different LTC planning solutions -- Stand-alone LTC, Linked-Benefits LTC and Life Insurance with Chronic Illness riders.
"By including a medicaid plan in your comprehensive estate plan, you can ensure that both you and your loved ones will be protected
in the event you ever need long-term care. Learn more about Texas long-term care and medicaid planning in this presentation."
At any age, health care is a priority. When you retire, however, you will probably focus more on health care than ever before. Staying healthy is your goal, and this can mean more visits to the doctor for preventive tests and routine checkups. There's also a chance that your health will decline as you grow older, increasing your need for costly prescription drugs or medical treatments. That's why having health insurance can be extremely important for older Americans..
How many people in this room expect to need long-term care one day? It’s not surprising that few of us do, because it’s hard to face the fact that our health might decline. But statistics suggest that the risk is greater than we think. Approximately 70% of us--that’s 7 out of every 10 people here today--will need some type of long-term care services during our lifetimes at some point after we reach age 65. And though it's good news that people are living longer, a long life span increases the chance of developing serious health problems. In fact, according to the Alzheimer’s Association, one in nine people age 65 and older has Alzheimer’s disease, which often leads to the need for nursing home care. And while older people are more likely to need long-term care, younger people may need care too, as a result of a disabling accident or illness such as multiple sclerosis or Parkinson’s disease.
This isn’t meant to scare you, but rather to remind you that the need for long-term care can happen to anyone at any time. The need to be prepared is real, and something that you shouldn’t ignore.
Heritage Health Insurance: Eligibility, Renewal, & BenefitsTech Good Health
In this article, we will cover the basics of heritage health insurance and Nebraska's Medicaid expansion program. Renew the heritage health insurance easily.
Does Medicare Pay for Long-Term Care in New YorkMark Eghrari
For many, the solution is Medicaid. This program does pay for living assistance if you can qualify, but it is only available to people with limited assets. Many people obtain eligibility through a process called a spend down. Learn more about long-term care in New York in this presentation.
Can I Give Away Assets to Qualify for Medicaid in Indiana?Paul Kraft
"The Medicaid program will pay for long-term care, but it is a need-based program. To stay within the asset limits, people typically give assets to their loved ones
before they apply for coverage. Learn more about medicaid in Indiana in this presentation.
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This is a presentation by Soraya Ghebleh that explains the major components of Medicare and the associated terms an individual would need to know to navigate the vast amount of information available on Medicare.
In this Webinar, participants will learn:
- How your bank or financial institution can help and what questions to ask
- How your financial advisor can help and the types of services that they may provide
- The potential costs of what to expect
- How your insurance agent can help you with gathering info and services they provide
- RRSP/Investments – what to think about
Leading the Way in Nephrology: Dr. David Greene's Work with Stem Cells for Ki...Dr. David Greene Arizona
As we watch Dr. Greene's continued efforts and research in Arizona, it's clear that stem cell therapy holds a promising key to unlocking new doors in the treatment of kidney disease. With each study and trial, we step closer to a world where kidney disease is no longer a life sentence but a treatable condition, thanks to pioneers like Dr. David Greene.
Antibiotic Stewardship by Anushri Srivastava.pptxAnushriSrivastav
Stewardship is the act of taking good care of something.
Antimicrobial stewardship is a coordinated program that promotes the appropriate use of antimicrobials (including antibiotics), improves patient outcomes, reduces microbial resistance, and decreases the spread of infections caused by multidrug-resistant organisms.
WHO launched the Global Antimicrobial Resistance and Use Surveillance System (GLASS) in 2015 to fill knowledge gaps and inform strategies at all levels.
ACCORDING TO apic.org,
Antimicrobial stewardship is a coordinated program that promotes the appropriate use of antimicrobials (including antibiotics), improves patient outcomes, reduces microbial resistance, and decreases the spread of infections caused by multidrug-resistant organisms.
ACCORDING TO pewtrusts.org,
Antibiotic stewardship refers to efforts in doctors’ offices, hospitals, long term care facilities, and other health care settings to ensure that antibiotics are used only when necessary and appropriate
According to WHO,
Antimicrobial stewardship is a systematic approach to educate and support health care professionals to follow evidence-based guidelines for prescribing and administering antimicrobials
In 1996, John McGowan and Dale Gerding first applied the term antimicrobial stewardship, where they suggested a causal association between antimicrobial agent use and resistance. They also focused on the urgency of large-scale controlled trials of antimicrobial-use regulation employing sophisticated epidemiologic methods, molecular typing, and precise resistance mechanism analysis.
Antimicrobial Stewardship(AMS) refers to the optimal selection, dosing, and duration of antimicrobial treatment resulting in the best clinical outcome with minimal side effects to the patients and minimal impact on subsequent resistance.
According to the 2019 report, in the US, more than 2.8 million antibiotic-resistant infections occur each year, and more than 35000 people die. In addition to this, it also mentioned that 223,900 cases of Clostridoides difficile occurred in 2017, of which 12800 people died. The report did not include viruses or parasites
VISION
Being proactive
Supporting optimal animal and human health
Exploring ways to reduce overall use of antimicrobials
Using the drugs that prevent and treat disease by killing microscopic organisms in a responsible way
GOAL
to prevent the generation and spread of antimicrobial resistance (AMR). Doing so will preserve the effectiveness of these drugs in animals and humans for years to come.
being to preserve human and animal health and the effectiveness of antimicrobial medications.
to implement a multidisciplinary approach in assembling a stewardship team to include an infectious disease physician, a clinical pharmacist with infectious diseases training, infection preventionist, and a close collaboration with the staff in the clinical microbiology laboratory
to prevent antimicrobial overuse, misuse and abuse.
to minimize the developme
Global launch of the Healthy Ageing and Prevention Index 2nd wave – alongside...ILC- UK
The Healthy Ageing and Prevention Index is an online tool created by ILC that ranks countries on six metrics including, life span, health span, work span, income, environmental performance, and happiness. The Index helps us understand how well countries have adapted to longevity and inform decision makers on what must be done to maximise the economic benefits that comes with living well for longer.
Alongside the 77th World Health Assembly in Geneva on 28 May 2024, we launched the second version of our Index, allowing us to track progress and give new insights into what needs to be done to keep populations healthier for longer.
The speakers included:
Professor Orazio Schillaci, Minister of Health, Italy
Dr Hans Groth, Chairman of the Board, World Demographic & Ageing Forum
Professor Ilona Kickbusch, Founder and Chair, Global Health Centre, Geneva Graduate Institute and co-chair, World Health Summit Council
Dr Natasha Azzopardi Muscat, Director, Country Health Policies and Systems Division, World Health Organisation EURO
Dr Marta Lomazzi, Executive Manager, World Federation of Public Health Associations
Dr Shyam Bishen, Head, Centre for Health and Healthcare and Member of the Executive Committee, World Economic Forum
Dr Karin Tegmark Wisell, Director General, Public Health Agency of Sweden
R3 Stem Cells and Kidney Repair A New Horizon in Nephrology.pptxR3 Stem Cell
R3 Stem Cells and Kidney Repair: A New Horizon in Nephrology" explores groundbreaking advancements in the use of R3 stem cells for kidney disease treatment. This insightful piece delves into the potential of these cells to regenerate damaged kidney tissue, offering new hope for patients and reshaping the future of nephrology.
The dimensions of healthcare quality refer to various attributes or aspects that define the standard of healthcare services. These dimensions are used to evaluate, measure, and improve the quality of care provided to patients. A comprehensive understanding of these dimensions ensures that healthcare systems can address various aspects of patient care effectively and holistically. Dimensions of Healthcare Quality and Performance of care include the following; Appropriateness, Availability, Competence, Continuity, Effectiveness, Efficiency, Efficacy, Prevention, Respect and Care, Safety as well as Timeliness.
Medical Technology Tackles New Health Care Demand - Research Report - March 2...pchutichetpong
M Capital Group (“MCG”) predicts that with, against, despite, and even without the global pandemic, the medical technology (MedTech) industry shows signs of continuous healthy growth, driven by smaller, faster, and cheaper devices, growing demand for home-based applications, technological innovation, strategic acquisitions, investments, and SPAC listings. MCG predicts that this should reflects itself in annual growth of over 6%, well beyond 2028.
According to Chris Mouchabhani, Managing Partner at M Capital Group, “Despite all economic scenarios that one may consider, beyond overall economic shocks, medical technology should remain one of the most promising and robust sectors over the short to medium term and well beyond 2028.”
There is a movement towards home-based care for the elderly, next generation scanning and MRI devices, wearable technology, artificial intelligence incorporation, and online connectivity. Experts also see a focus on predictive, preventive, personalized, participatory, and precision medicine, with rising levels of integration of home care and technological innovation.
The average cost of treatment has been rising across the board, creating additional financial burdens to governments, healthcare providers and insurance companies. According to MCG, cost-per-inpatient-stay in the United States alone rose on average annually by over 13% between 2014 to 2021, leading MedTech to focus research efforts on optimized medical equipment at lower price points, whilst emphasizing portability and ease of use. Namely, 46% of the 1,008 medical technology companies in the 2021 MedTech Innovator (“MTI”) database are focusing on prevention, wellness, detection, or diagnosis, signaling a clear push for preventive care to also tackle costs.
In addition, there has also been a lasting impact on consumer and medical demand for home care, supported by the pandemic. Lockdowns, closure of care facilities, and healthcare systems subjected to capacity pressure, accelerated demand away from traditional inpatient care. Now, outpatient care solutions are driving industry production, with nearly 70% of recent diagnostics start-up companies producing products in areas such as ambulatory clinics, at-home care, and self-administered diagnostics.
India Clinical Trials Market: Industry Size and Growth Trends [2030] Analyzed...Kumar Satyam
According to TechSci Research report, "India Clinical Trials Market- By Region, Competition, Forecast & Opportunities, 2030F," the India Clinical Trials Market was valued at USD 2.05 billion in 2024 and is projected to grow at a compound annual growth rate (CAGR) of 8.64% through 2030. The market is driven by a variety of factors, making India an attractive destination for pharmaceutical companies and researchers. India's vast and diverse patient population, cost-effective operational environment, and a large pool of skilled medical professionals contribute significantly to the market's growth. Additionally, increasing government support in streamlining regulations and the growing prevalence of lifestyle diseases further propel the clinical trials market.
Growing Prevalence of Lifestyle Diseases
The rising incidence of lifestyle diseases such as diabetes, cardiovascular diseases, and cancer is a major trend driving the clinical trials market in India. These conditions necessitate the development and testing of new treatment methods, creating a robust demand for clinical trials. The increasing burden of these diseases highlights the need for innovative therapies and underscores the importance of India as a key player in global clinical research.
2. Frequently, caregivers call us after being referred by a hospital or nursing home. They explain that
their loved one has recently sustained an injury and/or suffers from a medical condition such as
heart disease or dementia. Whether they are still living at home, in assisted living, or recovering
in a skilled nursing and rehabilitation center, the concern is the same – they need a higher level
of care and a way to pay for it. Compounding the caregiver’s crisis is the emotional and physical
strain produced by family tension and a prolonged state of alert. There is a better way.
Medicaid Planning
and the Caregiver Crisis
3. There are approximately 42 Medicaid programs in Texas. It is important to understand that each
program has its own eligibility criteria and benefits. If the Medicaid applicant in a Medicaid
certified nursing home meets the functional and financial eligibility criteria, Medicaid will cover
most of the medical and support needs of the person. As the payer of last resort, Medicaid
only begins to pay once other healthcare coverage, long-term care coverage, or other coverage
is exhausted.
Nursing home Medicaid does not pay for dental care. If a Medicaid nursing home recipient needs
a non-covered medical service such as dental care, and the medical service is not paid for through
Medicare or private health insurance, the Medicaid recipient can pay for the care and submit a
copy of the paid invoice to HHSC. Provided the medical service is medically necessary, HHSC will
reduce the Medicaid recipient’s co-payment and pay the nursing home the difference. It is a good
idea to check with the HHSC caseworker and billing office prior to paying out of pocket for a non-
covered medical service.
What is a Medicaid transfer penalty and how is the penalty calculated?
FAQs: Nursing Home & Medicaid
There are approximately 42 Medicaid programs in Texas. It is important to understand that each
program has its own eligibility criteria and benefits. If the Medicaid applicant in a Medicaid
certified nursing home meets the functional and financial eligibility criteria, Medicaid will cover
most of the medical and support needs of the person. As the payer of last resort, Medicaid
only begins to pay once other healthcare coverage, long-term care coverage, or other coverage
is exhausted.
Nursing home Medicaid does not pay for dental care. If a Medicaid nursing home recipient needs
a non-covered medical service such as dental care, and the medical service is not paid for through
Medicare or private health insurance, the Medicaid recipient can pay for the care and submit a
copy of the paid invoice to HHSC. Provided the medical service is medically necessary, HHSC will
reduce the Medicaid recipient’s co-payment and pay the nursing home the difference. It is a good
idea to check with the HHSC caseworker and billing office prior to paying out of pocket for a non-
covered medical service.
What do Medicaid nursing home benefits cover?
4. 1. Homestead residence - principal residence
2. Real estate for sale
3. Automobile
4. Household goods and personal effects
5. Burial spaces
6. Irrevocable prepaid funeral plan
7. Burial funds
8. Term life insurance
9. Other life insurance in certain situations
10. Business property essential to self-support
11. Livestock
12. Retirement benefits
What resources are excluded for purposes of determining Medicaid eligibility?
PROTECT
YOUR FAMILY
We look forward to exploring the opportunities our long-
term care and asset protection planning can provide. The
risk of needing long-term care and its related expenses
is too great to ignore. According to Health and Human
Services statistics, about 70 percent of individuals over
age 65 will require at least some type of long-term care
services during their lifetime and 40 percent will need
care in a nursing home for some period of time.
If you or someone you love is at risk of spending down
their life savings to pay for the ever-growing cost of
long-term care, then we invite you to call today for your
free initial consultation.
Quality Care
For Yourself and Your Loved Ones
5. Medicaid Planning Answers
The state Medicaid claims administrator, Texas Medicaid & Health Partnership (“TMHP”), is
responsible for making medical necessity determinations for nursing home Medicaid. TMHP
makes its determination by evaluating the person’s medical and nursing needs based on the
minimum data set (“MDS”) assessment prepared by a registered nurse. TMHP begins the medical
necessity review process upon receiving an MDS assessment and the Long-Term Care Medicaid
Information Section from a Medicaid contracted nursing facility.
How is medical necessity determined for Medicaid nursing home care?
1. Shifting Medicaid countable resources into
excluded resources
2. Requesting expansion of the protected
resource amount
3. Purchasing a Medicaid qualified immediate
annuity in order to convert a countable
resource to income in the name of a Medicaid
ineligible spouse
4. Gifting countable resources.
What are some strategies to getting under the Medicaid resource limit?
The Medicaid program requires nursing home benefit recipients to share in the monthly cost of
their care. This is called the Medicaid co-payment or their applied income. In Texas, every nursing
home Medicaid recipient is entitled to a personal needs allowance of $60 per month. But as
explained in more detail below, Medicaid recipients can actually keep more of their income than
the $60 allowance suggests. It is also important to understand that the Medicaid recipient still
receives their income. Therefore, even if an individual is on Medicaid, the recipient will still be
responsible for satisfying a monthly co-payment to the nursing facility.
How much is the Medicaid co-payment to the nursing home?
The Social Security Act provides Medicare coverage for necessary post-hospital extended care
services for up to 100 days. Extended care services are defined as nursing care and rehabilitation
therapy provided to a Medicare patient at a skilled nursing facility. In determining whether this
significant, yet temporary, benefit is available, but some following basic requirements must
be satisfied.
Does Medicare cover nursing home care?
It is possible to qualify people for nursing home Medicaid who have several hundred thousand
dollars. Strategies often used include: