Law Office of Rhonda D. Zimmerman, Esq.
Law Office of Rhonda D. Zimmerman, Esq.

Questions & Answers


Q. Will Medicare or private heath insurance pay for all or part of long-term nursing home care?
A: NO. There are some short-term Medicare benefits available, principally for rehabilitation services.

Q. If a person qualifies for Medicaid, will Medicaid pay for nursing home or hospital care?
A: YES. Subject to certain legal requirements, Medicaid will pay for the entire cost of care.

Q. What assets can I keep and still be eligible for Medicaid benefits?
A: Essentially, you may keep your personal residence, one automobile, whole life insurance with total face value under $2,500.00, term life insurance policies, burial plots, a burial fund up to $2,500.00, irrevocable pre-need funeral plans, household furnishings, wedding rings, savings of $2,000.00 for a single person and, if married, the community spouse may keep $128,640.00 (Effective January 2020).

Q. What kind of assets could Medicaid require you to spend before a person is eligible?

A: Assets such as cash, bonds, savings, stocks, life insurance cash values, real property, etc. With proper preplanning and the advice of a qualified attorney, however, a significant portion of these assets can be preserved.

Q. Once you are in a nursing home, are there still planning options available?
A : YES. It is even possible for a person already in a nursing home to protect all or a substantial portion of his/her life savings and to become eligible for Medicaid. However, once you have spent all of your assets, you no longer have any options available.


Law Office of Rhonda D. Zimmerman
2881 E Oakland Park Blvd
Fort Lauderdale, FL 33306

Mail: P.O. Box 39177
Fort Lauderdale, FL 33339

Phone: (954) 822-7566

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