The Medicaid Gap
Denied Medicaid Because of Your Savings? You're Not Alone.
Millions of seniors are caught between too much in savings to qualify for Medicaid long-term care coverage, and not enough to pay for years of professional care on their own. There is a structured path through that gap.
Why It Happens
The Medicaid Asset Limit
Catches Millions in the Middle.
Medicaid long-term care has a roughly $2,000 countable asset limit. Millions of seniors who saved responsibly are disqualified — too much for Medicaid, not enough to self-fund a lifetime of care.
0Typical Medicaid countable asset limit for a single applicant
0Common savings range of families caught in the gap
0Typical timeframe for a properly structured plan to affect Medicaid eligibility
The Structured Path
What a Properly Structured Plan Can Do
Here's what the compliant, well-established path looks like:
- Reframe Your AssetsWhen assets are deployed through a structured lifetime care program, many clients find their countable asset level meets Medicaid's requirements. We coordinate that process as part of the overall care plan.
- Put Your Home to WorkYour home — often owned free and clear — is your most powerful tool. A properly structured plan uses home equity to fund professional in-home care while you stay in your home and maintain Medicaid eligibility requirements.
- Legal, Established, and Used by MillionsMedicaid planning is legal, well-established, and used by millions of American families. Most people simply don't know the structured path exists — or that their home equity is the key to it.
Is This You?
Caught in the
Medicaid Gap?
The Medicaid asset limit catches millions of seniors who saved responsibly. If either of these situations describes you, you're in the right place.
The Medicaid Denial
Denied by Medicaid?
You applied for Medicaid and were told you have too many assets. Now you're paying out of pocket and watching your savings shrink.
That's the situation a properly structured plan was built for.
The Savings Concern
Savings Running Out?
Your parent has $200,000 in savings and a home they own. They need care, but Medicaid says no. You're doing the math and it doesn't work.
You're not out of options. You're out of options you know about.
Free Consultation Denied Medicaid? Let's Talk.
You've seen how the gap works and how a structured plan changes the math. The next step is a free, confidential conversation with an advisor who knows this path.