Around 70 percent of seniors 65 and up will eventually spend some time in a nursing home at some point during their life. A senior 65 or older has a 40 percent change of ending up spending time in a nursing home, and a 20 percent chance of spending five or more years in a nursing home. Learn more about nursing home care in this presentation.

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WHY MEDICAID ELIGIBILITY MATTERS IF
YOU NEED NURSING HOME CARE
A Guide for Annapolis Residents

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MANY SENIORS NEED
NURSING HOME CARE
Around 70 percent of seniors 65 and up will
eventually spend some time in a nursing home at
some point during their life.

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A senior 65 or older has a 40
percent change of ending up
spending time in a nursing home,
and a 20 percent chance of
spending five or more years in a
nursing home

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NURSING HOMES ARE
EXPENSIVE

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The median annual cost of a semi-
private room in a Maryland nursing
home is $113,150.

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The median annual cost of a private
room in a Maryland nursing home is
$110,230

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MOST INSURERS
WON’T PAY FOR THE
TYPES OF NURSING
CARE PATIENTS NEED

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Most insurance providers, including
Medicare, limit coverage for nursing
homes to situations where skilled
services are needed.

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Examples of skilled services could
include changing bandages after
surgery.

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The kinds of routine custodial care
most nursing home patients need is
not going to be covered.

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MEDICAID CAN
PROVIDE COVERAGE

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Medicaid may be the only available
source of coverage for nursing care.

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This could mean you end up paying
privately for a nursing home out of
your own pocket if you don’t qualify
for Medicaid.

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MEDICAID HAS
RESOURCE LIMITS
There are strict resource limits for Medicaid.

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If you own too many assets- as
many seniors do- you cannot get
benefits until you spend down your
assets.

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MEDICAID PLANNING CAN
HELP
Medicaid planning can help you to get coverage
while protecting your nest egg.

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With assistance from a Medicaid
planning lawyer, you may be able
to make sure you get covered while
still keeping money and property to
leave a legacy for loved ones.

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PLANNING ALSO
PREVENTS ESTATE
RECOVERY

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Making a Medicaid plan can also
keep your assets safe from
Medicaid estate recovery.

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Medicaid estate recovery requires
states to make claims against your
estate to try to recoup Medicaid
money spent on your care if you’re
over 55 or Medicaid money spend
on nursing homes.

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ACTING IN ADVANCE
TO MAKE YOUR PLAN

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Medicaid looks back five years to
see if you transferred any assets
when deciding if you’re eligible for
Medicaid.

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Asset transfers result in a period of
disqualification.

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This means you need to make a
Medicaid plan early on.

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GETTING LEGAL HELP

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Contact an experienced Maryland
Medicaid planning lawyer to make
your plans and protect your assets.

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Or visit our website
www.sinclairprosserlaw.com
Nicole Livingston
Jon J. Gasior
Colleen SinclairProsser
Victor A. Lembo