Des Moines Medicaid Planning Attorneys
Helping You Manage Healthcare Costs in Cedar Rapids, Bettendorf, Dubuque, Okoboji, and Overland Park
As people grow older, they tend to need more assistance in their day-to-day affairs. The reality is that some seniors will eventually require full-time, long-term care. As their loved one, you want to do everything to protect them and ensure they have a comfortable life. Unfortunately, long-term care options in Iowa & Kansas are astronomically expensive – and their costs are only increasing.
Medicaid Long-Term Care in Iowa & Kansas
Assisted living facilities and nursing homes will often become crucial to an elderly loved one’s continued comfort and health, but you may be understandably concerned how you will manage the costs of care.
Your elderly loved one likely saved funds for retirement and may have even used estate planning tools to prepare an inheritance for their children. These financial resources – the savings your loved one worked their entire life to build – can quickly get swallowed by long-term care bills.
Iowa & kansas Medicaid Planning Services
Our Des Moines Medicaid planning lawyers at Pearson Bollman Law can work to avoid this scenario by helping you strategically plan how to effectively manage long-term care costs. We have a complete knowledge of elder law in Iowa & Kansas and the programs that are often leveraged to cover assisted living and nursing home expenses in the state.
Our Medicaid planning attorneys can help your elderly loved one explore Medicaid, long-term care health insurance, and other solutions. We are committed to helping your elderly loved one get the care that they need without jeopardizing their or your finances.
When you need help with long-term care, elder law, and Medicaid planning in Iowa or Kansas, get in touch with Pearson Bollman Law for an experienced Des Moines Medicaid lawyer. Call 515-298-8850.
To get assistance with Medicaid or other elements of elder law, call 515-298-8850 or contact us online.
Our
Practice Areas
Clients turn to Pearson Bollman Law for our professional experience and knowledge about estate planning and elder law. We provide peace of mind.
Des Moines Elder Law: Navigate Long-Term Care & Medicaid Planning
It may surprise you to learn that a majority of insurance policies do not offer any coverage for long-term care or assisted living facilities. Even Medicare, the federal government health insurance program for qualifying individuals, does not cover these expenses, even when utilized by older Americans.
Understanding Long-Term Care Insurance Limitations
Targeted, long-term care insurance policies can sometimes partially or completely cover the high expenses associated with long-term elder care. However, policies that include this level of coverage are often prohibitively expense for the average American. Even if you could in theory afford such a policy, you may not qualify due to a preexisting condition. If you are starting to plan for long-term care for a loved one that has already grown older, insurance companies may be wary of issuing long-term care insurance policies that will likely need to pay out sooner rather than later, even if no preexisting conditions automatically disqualify you.
Maximizing Your Long-Term Care Insurance Benefits
If you are fortunate enough to be able to afford long-term care insurance and currently maintain a policy, you will need to carefully review what is covered. You should pay close attention to the length of coverage, deductible, and daily benefit limits. All of these factors can influence how much your policy will cover an extended long-term care stay.
Avoid Assumptions About Assisted Living Coverage
Do not automatically assume your insurance policy will cover an assisted living facility or nursing home. The last thing you need is to generate expenses you are confident are covered only to learn you will need to draw into your savings to pay. If you are unsure of what is covered, our team can thoroughly review your policy and advise on your exposure. Should your policy turn out to not cover long-term care, we can help you identify other solutions.
Contact Pearson Bollman Law for Expert Medicaid Planning in Des Moines
Medicaid Planning in Iowa & Kansas
A popular and effective means of covering long-term care expenses can be found in Medicaid. Not to be confused with Medicare, Medicaid is a joint federal-state government program that issues monetary benefits to cover qualifying healthcare expenses. The federal government provides the funding, while the state government sets rules about who is eligible.
Medicaid benefits can be used to cover qualifying long-term care costs, including assisted living facilities and nursing homes. Initially applying and continuing to qualify for this support requires navigating a complex bureaucracy of eligibility requirements and rules.
Our Des Moines Medicaid planning attorneys have a complete knowledge of the rules involved with qualifying for Kansas & Iowa’s program. We can assess your eligibility and identify tools and techniques to reorganize your income and asset holdings to gain Medicaid eligibility. Our team can also work with you to address stalled or rejected applications, including the filing and arguing of appeals.
Protect Your Elderly Loved One with Our Help
Our team has helped elderly Iowans with Medicaid and other forms of long-term care planning across the state. We have assisted thousands of families with our estate planning tools and are prepared to leverage our knowledge and experience to give you the peace of mind that you deserve.
Our Des Moines Medicaid planning lawyers at Pearson Bollman Law can work with you to identify effective means of covering long-term care expenses for your elderly loved ones. When you meet with our team, we will discuss your circumstances, concerns, and goals for your loved one’s care. We can then help you explore what planning and benefits options are available and guide you through each step of applying for and utilizing them.
Schedule a consultation to learn more about how we can assist with your elderly loved one’s care. Call (515) 298-8850 or contact us online today.
Dedicated to Helping You and Your Family
What Makes Us Different-
Experience
With decades of experience between our attorneys and staff in estate planning and elder law, we are a premier Iowa and Kansas law firm that has the skills you need in your corner.
-
Accessibility
With 6 offices located throughout the State of Iowa and Kansas, you will always have access to our team when you have questions or concerns about your case.
-
Fixed Fees
We not only provide free initial consultations for our planning services, but most matters have fixed fees so you understand exactly what you get and how much it costs from the very beginning.
-
Skill
When it comes to estate planning, we have a well-defined process that is tried and true, working well for thousands of clients in the past.
Begin Planning with Us Today
Schedule a Consultation