Medicaid Filing Connection is your full-service solution for Medicaid planning and financial peace of mind.

At Medicaid Filing Connection, we help our clients preserve and extend their family’s wealth by restructuring their finances to qualify for Medicaid in Texas. Our proven, six-step process is led by a dedicated Medicaid Eligibility Specialist and includes a team of experts who can advise on financial, legal, and insurance matters.

Medicaid Application Filing

If you find the prospect of applying for Medicaid daunting, you’re not alone. The process is complex and ever-changing.
Fortunately, our Medicaid Eligibility Specialists include former Medicaid workers who know the ins and outs of the application process. They’re familiar with the common (and not so common) mistakes that cause delays and denials.

Setting You Up for Success
Before we get to work on your Medicaid application, our team will identify obstacles to your eligibility and develop a Financial Preservation Plan. This is a set of legal and financial strategies to restructure your assets, making them Medicaid-compliant and consistent with your family’s goals.

Full-Service Filing
Once you’re in a good position to qualify, our specialist will dive into the application process. They’ll gather your documentation, submit your application, track its progress, and follow up with Medicaid weekly to provide any clarifications. They also offer any mental or emotional support your family may need during this transition.

With You Every Step
Has Medicaid gone beyond the allotted time for response? We’ll escalate your case. Was there an improper denial? We’ll represent you in the Fair Hearing Trial. Has the application been approved? We’ll double check to ensure the applied income and eligibility date is correct.

We save you more than 50 hours of work on average by handling the entire process.

Schedule a Free Consultation

or call 855-410-0192

Our Medicaid Application Filing Process

01

Eligibility Planning

01

Develop Medicaid Eligibility Plan

• Review assets and income for Medicaid applicant(s) by full team
• Discuss healthcare and financial goals for applicant & spouse
• Develop action items to maximize asset protection
• Finalize plan by licensed attorney
• Arrange to be authorized representative and notify nursing home

Carry Out Financial and Legal Strategies

• Restructure assets so they’re exempt from Medicaid
• Evaluate any insurance policies
• Facilitate any real estate decisions
• Ensure healthy spouse has maximum resources

02

02

Financial + Legal Strategy

03

Asset Gathering

03

Collect Documentation

• Assign a Family Support Specialist
• Collect and prepare documentation for Medicaid application
• Upload information on a HIPAA compliant portal

Submit Application

• Review of application by former Medicaid worker
• Complete Medicaid application
• Confirm proof of submission

04

04

Submission

05

Close Monitoring

05

Monitor Application

• Contact Medicaid weekly for status updates or clarifications
• Escalate case if Medicaid goes beyond allotted time period for response
• Represent client in Fair Hearing Trial if an improper denial occurs
• Provide additional documentation to Medicaid as needed

Confirm Approval

• Check to ensure applied income and eligibility date is correct
• Communicate approval to client and nursing home

06

06

Confirmation

Financial Preservation Planning

You may be concerned that your loved one will have to spend down all their assets to qualify for Medicaid. But the truth is there are many assets seniors can own and still be eligible. In addition, there are established, legal methods for restructuring other assets so they’re exempt from the applicant’s income.

Comprehensive Review of Finances

Our team will evaluate your family’s resources such as:

  • Liquid assets
  • Stocks or bonds
  • Life insurance
  • Annuities
  • Real estate
  • Pensions
  • Oil and mineral rights
Smart, Proven Estate Retention Strategies

If any of these assets are pushing your loved one’s income above the eligibility requirements, we’ll work on a variety of strategies to convert them to exempt assets, while also keeping an eye on tax implications. For example:

  • Set up an Educational fund for a grandchild
  • Maximize gifting possibilities in a Medicaid compliant way
  • Transfer all assets to the spouse at home
  • Set up a fund to allow for a private room at the Nursing Home
  • Sell any unneeded assets and keep a portion of the proceeds while still qualifying for Medicaid
  • Much, much more
Protecting the Spouse

In many cases, one spouse needs to apply for Medicaid while the other does not. To protect the healthy spouse, Medicaid has spousal impoverishment rules in place. This is called the Spousal Protected Resource Allowance (SPRA). In addition to protecting the family’s overall wealth, our team can strategize on ways to protect more assets than allowed in the maximum SPRA.

Schedule a Free Consultation

or call 855-410-0192

Home Protection

If you or a loved one is planning to apply for Medicaid, often the family home is central to your financial concerns. Fortunately, the state of Texas allows applicants to own a primary residence (up to $595,000 in equity) and still qualify.

However, things can get a bit complicated if you try to sell or rent the home – or if you have income-producing investment properties. Not only that, the state may attempt to recoup your Medicaid benefits from your estate after your passing. This is called the Medicaid Estate Recovery Program (MERP). There’s a chance they could obtain your family home as part of MERP in probate court.

Keeping the Family Home
If keeping the home in the family is your primary goal, we can assist you in setting up a Lady Bird Deed (or Enhanced Life Estate Deed). This conveys the property to new owners at the death of the current owner. Recognized by Medicaid in Texas, using this deed will ultimately protect your loved one’s home from the Medicaid Estate Recovery Program (MERP).

Selling the Family Home
When selling the home, you want to avoid the transfer penalty imposed by the Texas Health and Human Services Commission. This occurs when you gift or sell an asset for less than fair market value within five years of applying for Medicaid. They will divide the value of the asset by $213.71 (2020 rate). The result is the number of days the state withholds payment. Our licensed real estate experts can help you balance Medicaid compliance and profitability for your property.

Managing Real Estate Income
If rental property profits push your income above Medicaid thresholds, we can help you open a qualifying income trust. Your excess income is directly deposited each month into a restricted funds account and it’s no longer considered part of your assets for the purposes of qualifying for Medicaid. However, you can use these funds to pay medical bills and care costs, such as nursing home bills and Medicare premiums.

Schedule a Free Consultation

or call 855-410-0192