Healthier lifestyles and advancements in modern medicine have led to Americans living longer. In turn, more people must rely on costly long-term care options as they age. Fortunately, elder law attorneys specialize in helping the senior population plan for their healthcare needs and avoid financial hardship by meeting the criteria for Medicaid. This health insurance program for low-income individuals helps with expenses not covered by Medicare or supplemental health plans. Here’s an overview of what you need to know about qualifying and applying for Medicaid. 

Eligibility Requirements 

Each state has its own eligibility requirements that must be satisfied before Medicaid assistance is approved. First, you must be at least 65 years old and a U.S. citizen or meet certain terms as a resident alien. Additionally, in Hawaii, your income is limited to 100% of the Federal Poverty Level, and you’re only allowed to keep $2,000 in countable assets, which includes bank accounts, retirement plans, and non-primary residences. If you and your spouse are both seeking Medicaid, you may keep $3,000 in assets. If you exceed these limits, consult an elder law attorney about ways to restructure your resources.

Application Process 

If you’re eligible, you can apply for Medicaid year-round. Hawaii residents must go through the Med-QUEST Division of Hawaii’s Department of Human Services. You can apply online, by phone, by mail, or in person.

Regardless of the method you use, you should be ready to provide your legal name, date of birth, home and mailing address, Social Security number, citizenship status, tax filing status, income, and health insurance information. You may also need to include documentation like bank statements, a birth certificate, tax returns, and medical records. Completing your application as thoroughly as possible will help prevent a delayed decision. 

Before applying for Medicaid, turn to the Law Offices of Neil T. Nakamura & Associates for guidance. Their team of attorneys is well-versed in elder law and knows which strategies are most effective for securing assets and obtaining long-term care assistance. They have helped the elderly residents of Honolulu, HI, maximize their healthcare options for more than 40 years. Call (808) 945-7645 to arrange a consultation, or visit them online for more information on their elder law services.