New York Medicaid or cost nursing home is a joint federal, state and city program which provides medical assistance for persons with low incomes and limited assets in New York It is available to persons who are eligible for public assistance or SSI (Supplementary Security Income).
However, New York Medicaid or cost nursing home is also available in some states for persons with higher incomes.
In states like New York the Medicaid Surplus Income Program is available for persons over sixty-five or who are blind or disabled whose incomes are too high to qualify for public assistance or SSI, but who spend down any excess income on medical costs until they reach the Medicaid income level.
Once this eligibility threshold is met Medicaid covers all types of medical care including hospital care, doctor bills, nursing home coverage, home care, and prescriptions. If you are on Medicare, then Medicaid covers the Medicare deductibles and many of the services not provided by Medicare.
New York Medicaid or cost nursing home is a federal program available to persons who are sixty-five years of age and older and certain disabled persons.
Basically it is the health insurance component of Social Security.
There is a Medicare Part A which covers hospital care and a limited amount of "skilled" nursing care and home health care.
There is an optional Medicare Part B which covers part of physicians' costs and other medical services and supplies.
New York Medicaid or cost nursing home is the most cost-effective health insurance a senior citizen can buy! Everyone eligible should have Medicare coverage and take the optional Part B coverage at the earliest time allowable (unless they have carefully compared Part B to their own employer's retiree plan).
Medicare However is far from perfect; it is in fact a safety net with many holes. Medicare has certain deductibles, limited payment periods, and restrictions on the types of services covered.
Two of the most severe restrictions for New York Medicaid or cost nursing home are that it only covers nursing home care if it is "skilled" care rather than "custodial," and it covers only 100 days of nursing home care per spell of illness.
A spell of illness begins with the first day of inpatient care in a hospital or nursing home and ends when the beneficiary has been hospital and nursing home free for 60 consecutive days.
It is important to note that under Medicaid rules regarding transfers of assets (gifts) and spousal impoverishment, the guidelines for getting community based care which includes doctor visits; prescriptions, home health care and hospital coverage are very different from the rules for getting nursing home coverage.
For example, in New York State transfers of resources (gifts) will not disqualify you from receiving community-based care including home health care, but will cause a disqualification period for nursing home care. The "spousal impoverishment" law only affects nursing home care.
Under these Medicaid rules an "institutionalized spouse" includes not only a person in a nursing home, but a person in a hospital who is expected to remain in such a facility for at least 30 consecutive days.