Medicaid Planning

Are you or your loved one looking to inquire about Medicaid but don't know where to begin? Have you tried every which way to apply on your own but kept hitting stumbling blocks? Have you been mislead in the past on how to go about it? These are all common scenarios that our clients have gone through before coming to White Glove Consulting.

Here at White Glove Consulting, we can help you forget about those frustrating days. From the moment you begin talking to one of our professional representatives you will feel the burden being lifted off your shoulders. You'll be surprised how much White Glove can assist you and your family at a real affordable rate.

During the initial phone call a White Glove representative will give you a brief description on what is involved in getting the process started as well as scheduling your consultation.

At the time of the consultation we will sit with you and go through the entire application process and answer any and all questions you might have. We will review all the documentation provided and determine whether there are any further steps involved in making you or your loved one eligible for Medicaid. If you have resources that exceed the Medicaid allowable we will advise you and guide you on exactly what has to be done in order to get approved for Medicaid while protecting your assets. If your monthly income exceeds the Medicaid allowable we will offer to enroll you in the Surplus program * or the Pooled Income Trust program* which will entitle you to receive Medicaid even though you're over the monthly income limit.

∗Surplus Program
The surplus/spend down program is a program that allows you to pay your excess amount of income to Medicaid each month, leaving you with the Medicaid allowable, and therefore making you eligible for Medicaid.

∗Pooled Income Trust Program
A pooled Income Trust is an indirect but legal method for a person to be eligible for Medicaid without having to pay Medicaid their surplus which is caused by excess income. Having a Pooled Income Trust will enable you to safeguard your money as opposed to losing it to Medicaid each month. Instead of paying the surplus to keep your Medicaid active you will be able to deposit the money into the trust account every month, and the trust organization will then go ahead and utilize your money by paying your monthly bills with it.

Home Care Arrangement

A large percentage of our clients that are looking to apply for Medicaid are inquiring because they are in need of long term home care services. Unless one already has a long term care insurance policy in place, Medicaid is the only insurance that will pay for the services they so desperately need. Therefore, our services work hand in hand with the services provided by home care agencies and based on that, we have developed a number of excellent relationships with home care providers.

When a client is utilizing our Medicaid planning services, they will have no worries when it comes to the arrangement of their home care services. We work closely with a number of the best providers in the industry and we will do what it takes to find the best fit for your loved one. These agencies are extremely considerate of the needs for their patients and they will not in any way let you down!

Usually when one is in need of home care, they are also in need of Durable Medical Equipment (DME). Our services work hand in hand with the services of these companies as well and we have the ability to get you the equipment you need in a timely fashion.

Medicare Savings Program

How would it feel to receive an extra $99.90 in your Social Security check every month? Well, good news, at White Glove Consulting we can help you achieve just that! There is a Medicaid program that we offer as one of our services called the Medicare Savings Program (MSP). By enrolling your loved one in MSP, the monthly Medicare part B premium which is deducted from their Social Security check every month will be paid for by Medicaid. Therefore, their monthly Social Security payments will increase by $99.90 (2012 standard premium). Just think of it as free money! Additionally, in the event that your loved one is in the need of a rehab/nursing home, MSP will cover the skilled nursing facility co-insurance for days 21-100, which can cost approximately $50 per day.

Home Care Consulting
    Consulting for a certified home health agency:
  • Processing Medicaid applications
  • Medicaid Eligibility Check and any troubleshooting
  • Activating coverage monthly for all patients with a spend down
  • Monthly surplus billing to all patients with a spend down
  • Recording spend down payments received from patients
  • Enrolling spend down patients in the Pooled Income Trust Program
  • Following up on the status of Medicaid pending patients
  • Reviewing a claims denied report (spend down back billing)
  • Reviewing Nursing Home applications for approval to start home care services
  • Medicaid recertification's (renewals)
    Consulting for a licensed home care service agency:
  • Processing Medicaid applications
  • Maximizing hours for current non Medicaid patients
  • Enrolling spend down patients in the Pooled Income Trust program
  • Following up on the status of Medicaid pending patients
  • Insurance verification
  • Medicaid recertification's (renewals)

If there is anything else that wasn't mentioned above that you think we might be able to assist you with, please don't hesitate to ask. We will try to help you with whatever the situation might be, in any way we possibly can!