Me and my husband are old and sick and want to move in with my daughter. We will pay her rent, but do have a house. We cannot sell it due to Medicaid. What is our option? I can’t afforded paying for the house and paying rent, but I can’t sell it because I can’t loose Medicaid. Can I give it to state? How does that work? Or stop paying mortgage and have the bank take it? I don’t know what to do. Help please!
QMB is a combined Medicare/Medicaid program, but it is accessed a different way. They also allow Medicare Advantages Dual SNP plans, if you prefer. Or straight Medicare with Medicaid. It's all income and asset based. They also call it a Medicare Savings Program.
To make an appointment with a Counselor, even by phone and get more info.
https://www.shiphelp.org/ and https://www.medicare.gov/basics/costs/help/medicare-savings-programs
My understanding is that medicaid actions (MERP) on a property is an after death process. It’s an Estate Recovery system. Now if you are in a State that actually does a very strict interpretation of TEFRA, the lien may exist proactively* but it is not a recoverable action till after death of both the spouses as only then can a fixed $ amount be assigned. Also Medicaid is huge # of different programs. Not all Medicaid programs fall into the MERP requirement.
So…
1. what Medicaid program are you on and does it lead to after death MERP?
and
2. Is there actually a lien placed by the State on the property???
Like have you have a title company do a search for you and it was there with an $ amount and recorded at the courthouse?
Or is this something that you have heard about from others? Details matter big time when it comes to all this. And a lot of misinformation and fear mongering on what is subject to MERP.
I think you need to speak with an Elder lawyer. Not just to protect your Medicaid but if you will be paying rent, you need to have a contract because of Medicaid. For Longterm care Medicaid has a five year look back in most States. The amount you pay for rent will be questioned and you will need backup what that money is being used for.
You can call Medicaid for answers. Each state has different rules. Medicaid should already have your financial situation and have more specific answers than what we can give