You may have heard that Florida residents can apply for Medicaid to pay for the costs of their nursing home care. But in addition to meeting the financial eligibility requirements, seniors must also prove that it is medically necessary for them to reside in a full-service nursing facility before benefits will be paid.
Proving That Your Family Member Requires Nursing Home-Level Care
Under Medicaid’s Long-Term Care Managed Care (LTCMC) plan, the costs of an assisted living facility, nursing facility, home nursing care, and medical supplies may all be paid for—provided the family can prove that the senior requires a nursing home-level of care. To do this, a senior must undergo a Comprehensive Assessment and Review for Long-Term Care Services (CARES) assessment through the Florida Department of Elder Affairs.
During your CARES assessment, your loved one will be interviewed about her medical conditions, functional abilities, and the daily help she receives. The interviewer must determine that a senior’s condition is serious enough to require the availability of constant nursing care; if she does not, the senior may be denied long-term care benefits.
If your relative passes the CARES assessment, she must then be enrolled in a managed care plan. From this point on, Medicaid will pay for any service that is medically necessary. Under Florida law, a treatment is considered medically necessary if:
- It must be administered to save the patient’s life
- It will prevent disability or serious illness
- It must be given to alleviate severe pain
- It is consistent with symptoms an illness or injury for which the patient is receiving current treatment
- It is consistent with other contemporary professional medical standards
- There is no equally effective or less expensive treatment readily available
- It is not primarily intended for convenience (either on behalf of the patient, her doctor, or her family)
Even after you have jumped through all of these hoops, you will still need to meet the financial eligibility requirements to receive Medicaid benefits. At Walt Shurden Elder Law, we can help you restructure your income and assets so that you can receive your Medicaid benefits without depriving your loved ones of their future inheritance. To get started, call our Clearwater offices toll free at 877-241-1230, or email us at [email protected] to have our staff contact you as soon as possible.