Apply For Medicaid Assistance

What the five -year lookback covers

We guide you through every step of the Medicaid application assistance process for your nursing home application. The Medicaid five-year rule is a lookback requirement. It covers not only your current accounts, but also any accounts closed in the past five years. You can review general program information directly on Medicaid.gov. However, navigating the application itself is where personalized guidance matters most. This process can be overwhelming, and we’re here to support you every step of the way. Our thorough review of your financial information ensures accuracy. In addition, we properly explain and accurately document any unusual transactions.

Apply for Medicaid: how our application assistance works

Once your application is complete, we don’t simply hand it off. Instead, we track its progress with the county assistance office. We respond promptly to any request for additional documentation, and keep you informed at every stage. If you miss a deadline or a caseworker needs clarification, we handle that communication directly. You never navigate it alone. Our goal is a complete, accurate application the first time, reducing the back-and-forth that often causes delays.

Before you apply for Medicaid: protecting your assets and your spouses income

Before preparing your application, we sort out what Medicaid counts and what it doesn’t.

Countable vs. exempt assets: First we determine which of your assets Medicaid counts and which it doesn’t.
Spend down strategy: Then we convert countable assets into exempt ones, preserving your life savings. Families often hear this called the nursing home Medicaid spend down.
Income allocation: Your spouse comes next — we protect as much of your income as the rules allow.
Large transactions: Finally, we review sizable transfers so a caseworker doesn’t mistake legitimate spending for a divestment.

Documenting transfers before we file

As part of our Medicaid application assistance, we prepare your application in a format that’s clear for the reviewer. Before filing, we document any transaction a caseworker might read as a penalty-causing divestment. After filing, we monitor its progress and provide periodic updates. If a Medicaid processor requests additional information, there’s a limited time frame to respond. Missing this deadline can result in a denial, so continuous monitoring is essential.