Apostle Nursing Home Health Care L.L.C.
14511 Borman Street
Omaha, NE 68138

Medicaid Spend Down

  • Are you disabled or elderly, or have been approved for Social Security benefits, and your medical bills are too high? Eligibility Bands: Child under 19 years of age, Adults over 65 years of age, aged, blind or disabled, or pregnant.
  • Do you have Medicare, and no way of covering the 20% that Medicare doesn't cover?
  • Did you get your Social Security Disability, have to wait 24 months for your Medicare to become effective and your Social Security check is to high to become eligible for Medicaid?
  • Or did you apply for Medicaid, and receive a Share of Cost Medicaid plan?
  • A Medicaid Spend Down may be your answer. Under Section 1902(a)(17) of the Social Security Act, an individual is permitted to use medical or specific insurance policies to Spend Down their monthly income. The State of Nebraska will only accept certain policies.
  • The Medicaid Eligibility Specialists we work with have many Medicaid Compliant policies that The State of Nebraska accepts, and are guarantee issue (zero to little underwriting).
  • The Medicaid Eligibility Specialists we work with do not charge for their services. If a situation includes more than $30,000 in countable assets, an Elder Law attorney will need to be used also. An Elder Law attorney may have fees. Apostle Nursing does not sell insurance.  The Medicaid Eligibility Specialists we work with are licensed insurance agents that work directly with Medicaid workers.
  • Cash and other countable cash assets (life insurance cash value, 401(k), pension, IRA, and more) are looked at equally as much as monthly income. Always refer to Medicaid about assets, and if they are counted as lump assets or not, or to an Elder law attorney. A Medicaid compliant annuity may be needed, which I would also suggest an Elder Law attorney for countable assets above $30,000. We have Medicaid compliant annuities if needed.
Here are some people that our Medicaid Eligibility Specialists have helped in the past:

Aaron G.
Aaron has M.S. and is 41, is in a wheelchair and has to go to the hospital monthly where his medical bills are $6,000 a month. His Medicare only coves 80% of each bill. Leaving him with a bill of $1,200 a month. His disability check is only $1,076, not enough to cover the bills, but at the same time, how is he supposed to pay for rent, food, utilities, medications. etc.. He is too young to get Medigap, and has only 2 options 1.) not go to the hospital and get the necessary medical help he needs, or 2.) purchase private insurance to make his income low enough for Medicaid and cover the 20% that Medicare doesn't cover. Aaron now has Medicaid, and Medicaid Waiver.

Tom and Charles
When I first meet Charles, he told me about his best friend Tom who he lived with and had not only Alzheimer's but a hernia that needed emergency surgery.  On top of that Charles going to work was a trigger that caused him to tear the house up.  So going to work was needed to pay the bills, but a worrisome time. He is 62, and has been considered disabled by the Social Security Administration, and his 24 month waiting period for Medicare hasn't passed yet.  Even if he had his Medicare and Medigap policy that you need to be 65 to have, it wouldn't cover the constant supervision that he needs. 
Charles tried for 2 years to be Tom's caregiver but couldn't get it nor the Medicaid. I was able to get it set up in 2 months.

V.L. (allowed to do story but not whole name)
She was a 78 year old woman that had advanced arthritis that kept her confined to a wheel chair.  She could not perform more than 3 A.D.L's (adult daily living activities). She already had Medicare and Medigap and was paying $480 a month for private in home care, but only for 4 hours a week.
She had built up savings in her working years through a 401(k), that had become annuitized, and with her Social Security Check was originally denied Medicaid.  As an added service, she only hired me for the spend down, I got her on Medicaid waiver got her 31 hours a week of care, saving  her $250 a month, and I also got her a free Life Alert system. Sadly she passed away a year later, but I did what I could to make her final days better than those prior to me meeting her.