Providing Affordable Professional Advice

Robin J. Wolfe, Certified Medicaid Planner™

medicaid help, protect assets,

I previously worked for more than 35 years at the PA Department of Human Services (PA DHS). My specific responsibilities in the Long Term Care Unit involved thoroughly examining the details of Nursing Home Medicaid applications, including those submitted by Elder Law Attorneys, and ultimately determining if eligibility requirements were met for Medicaid approval.  After my tenure at PA DHS, I became a Certified Medicaid Planner™ and started Skilled Medicaid Planning LLC, a consulting company, where I can now use my expertise to help guide you from start to finish through the complex rules to become Medicaid Eligible for Skilled Nursing Home Care or Home & Community Based Waiver Services (HCBS).


Skilled Medicaid Planning LLC is not a law firm.





EXPERIENCED GUIDANCE & SOLUTIONS

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Without proper planning strategies, the ever increasing cost of Nursing Home Care could financially deplete most of your assets or life savings.

Everyone's personal situation is different; a thorough understanding of the five year look back period can be a key element affecting your eligibility.

Common mistakes in the application process happen routinely due to the lack of awareness of eligibility requirements.  

Time is of the essence in applying for Long Term Care Medicaid. 

 Excessive delays may increase your financial responsibility to the Nursing Home.

Our Services

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Step-by-Step advice on asset protection and planning solutions, specifically designed to benefit your situation, within the Medicaid rules and regulations.


Medicaid Application completion, as well as being an intermediary with the Skilled Nursing Facility and the PA Dept. of Human Services during the application process.


Explain the five year look back and its significance on your eligibility.



Reviews

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Making Important Decisions That Matter

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The solution is only a phone call away.

At Skilled Medicaid Planning LLC, we fully understand that when placing a loved one into a Skilled Nursing Facility or applying for Home and Community Based Waiver Services, it is a very stressful situation, both emotionally and financially, along with many other uncertainties.  


Understandably, your loved one’s medical well-being is your greatest priority. Making sure their financial obligations are met, can also be a concern.  Without seeking allowable strategies, you could be missing out on opportunities to preserve assets.


Generally speaking, there are essentially three ways to meet the financial obligations for the cost of Skilled Nursing Home care: 

      1) Pay directly out of pocket, which averages $9,000 per month in Pennsylvania.  Even if you are one of the few who have purchased a separate Long Term Nursing Home Care Insurance Policy, it most likely has some limits that will not cover all the costs.  

     2) Under certain circumstances, Medicare will pay for a limited time which is usually 20 days, with coverage extending to a maximum of 100 days, providing certain conditions are met, along with a costly daily co-pay. 

     3) Apply for Medicaid - that's where our services can help! Since everyone’s financial situation is uniquely different, you could preserve a considerable amount of assets by utilizing our specifically designed planning solutions and guidance for your situation, all within the Medicaid Rules and Regulations. 

Frequently Asked Questions

1. What is a Certified Medicaid Planner™?


A Certified Medicaid Planner™, also known as a CMP™, is a professional in the Medicaid planning field who has been awarded certification by the CMP™ Governing Board. 

Certification is granted based upon the qualified candidate demonstrating a mastery of the skills and knowledge of the subject matter. 

—cmpboard.org

2.  Will going into a Skilled Nursing Facility require that all my household assets will need to be depleted? (i.e. home, car, retirement funds, etc.)


No two cases are ever alike. Presumptions or listening to hearsay most likely will cause you to miss out on opportunities of which you may be entitled to. 

The rules of Medicaid are complex and contain provisions that pertain to household assets ranging from small to large in value; failure to promptly have your situation reviewed could lead to unnecessary depletion of assets. 

3. My Father needs to be placed into a Skilled Nursing Facility.  If we employ your service, do you provide  guidance and solutions throughout the entire Medicaid application process for submission to the PA Department of Human Services?


Yes, our goal at Skilled Medicaid Planning LLC, is to explain the Medicaid Rules in a common and uncomplicated way, so that they are easily understood, along with providing guidance from start to finish, all within the Medicaid Rules and Regulations. 

In addition, we act as an intermediary between the PA Department of Human Services and the Skilled Nursing  Facility.



4. The decision has just been made that my wife needs to be placed  into a Skilled Nursing Facility.  This has been an emotionally stressful time, and I’m really confused right now. On top of everything else, I wonder how the financial obligations for her Nursing Home care and my living expenses are going to be met. Can you guide me in the right direction to help me understand what is available to me?


We hear this time and time again from families who are looking for peace of mind and some answers. We fully recognize your concerns and can advise you on the Medicaid rules which benefit your situation .



5. What is the 5-year look back period, and does it apply to me? Is it still  possible to qualify for Medicaid, if I gave something away/gifted within the 5-year look back period?  Do the IRS rules on gifting differ from those within the Medicaid regulations?


The answer is yes to all  of the above questions.


  • The 5-year look back period is the 60-month period prior to applying for Medicaid. The details of this period are reviewed to determine Medicaid eligibility.  The 5-year look back period can be very complicated, if you do not know the facts.      
  • There are provisions within the Medicaid rules and regulations which may specifically apply to your situation. The 5-year look back period is worth seeking advice on, to prevent any loss of opportunity.




6. What is the difference between Medicaid and Medicare, as it relates to the payment for Skilled Nursing Home care? Aren’t they the same thing?


No, they are two completely separate and independent Programs. 


  • Medicaid is a State/Federal Program that can be utilized to pay for continual, ongoing Skilled Nursing Home Care or Home & Community Based Waiver Services.
  •  Medicare is recognized as the Federal Insurance Program designed for individuals age 65 or older or those who have met the provisional conditions of Social Security Disability. 
    • With respect to eligibility for Skilled Nursing Home care, Medicare generally covers 20 days, with a maximum coverage of 100 days, providing that other conditional requirements are met.

Contact Us

Call us for a free initial evaluation to find out if our services can be of benefit to you.

724-991-1654


Skilled Medicaid Planning LLC

PO Box 158, Connoquenessing, PA 16027

Hours

Monday - Friday: 

8:30am - 5:30pm