Will Nursing Home Medicaid Take My House (Or Bank Account)?

This is a very common question many people have when a parent or spouse enters a nursing home in Houston, Conroe, or anywhere in Texas. After all, your house and other assets represent a lifetime of saving and sacrificing which nobody does with the expectation of losing everything to nursing home bills of over $5,000 a month. The good news is Texas will not take your homestead or other asset, but that does not mean those assets are protected.

Texas does not take anything from anybody who applies for Medicaid. They leave the choice of what happens with your home and other assets entirely up to you. The way it works is that the burden is on you to meet specific Medicaid nursing home eligibility requirements. If you insist on keeping assets in a way that prevents you from meeting those eligibility requirements then the HHSC simply denies Medicaid nursing home benefits.

If Medicaid is not going to pay the bill, then you will need to make other arrangements to pay the nursing home in order to avoid eviction. They won’t take assets from you and at the end of the day they care very little about what you specifically do with your assets as long as when you come to them you meet all of the nursing home Medicaid eligibility requirements. One of those requirements is not having a Medicaid penalty so giving assets away blindly is not a plan that will work.

If you want to take control of the situation, then you can be like my clients that take the necessary steps to reposition their assets in order to meet the nursing home Medicaid requirements sooner than spending everything down to the minimum levels. Texas does not take anything from them, rather they have reviewed the reality of the situation and made a decision that the savings achieved by creating Medicaid eligibility sooner exceeds the cost.

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  1. hello, my dad has been in nursing home for over 3yrs now, (still living in nursing home) he did not make a will for his house which is paid for (worth about 130,000) he is receiving Medicaid, will they try to take his house after he dies? fyi: I only have power of attorney. any input will appreciate it, thanks

  2. The house would likely be subject to Medicaid Estate Recovery claims after he passes away. With 3 years of benefits and counting the claim will probably be for a noteworthy amount. He may be able to avoid Medicaid Estate Recovery by taking further steps. You can call (832) 592-7913 for more information.

  3. My mother is 06 received only 742. per month. This in Texas she has to be admitted for short term occupancy. She has no assets. Will Medicaid take her check?

  4. There is a co-payment for every nursing home Medicaid recipient based on their income. If she is not married, she will likely have a co-payment close to the amount of her monthly income reduced by certain allowable deductions.

  5. I have Medicare and Humana insurance I have been in nursing home for 1 month.
    Will Medicare pay for my first
    month in nursing home

  6. Medicaid coverage is based on the Medical Effective Date. The person representing you through the application and eligibility process should have the answer to that, I do not know enough about your case.

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