Medicaid Law and Practice: Part 3

Many people believe that to qualify for Medicaid your income cannot exceed $825.00 per month. That is not always the case.

In New York State, the Medicaid Buy-in Program offers Medicaid coverage to people with disabilities who are working and earning more than the allowable limits for regular Medicaid. This program allows recipients, between the ages of 16 and 64, to retain their health care coverage through Medicaid.

Under the Medicaid Buy-in Program recipients may have incomes as high as $59,892.00 for an individual and $80,676.00 for a couple. Non-exempt resources may not exceed $20,000.00 for individuals and $30,000.00 for couples. Retirement accounts and pensions are not counted as resources.

  • Recipients must have a disability as defined by the Social Security Administration;
  • Recipients must be working, for pay, at least part time; and,
  • There may be a modest premium based upon the applicant’s income.

Having dealt with Medicaid issues and many others like it as the attorney for the Ulster County Office for the Aging from 1998 through February of this year, I will share some of my experiences with you in subsequent releases. If you, a loved one or a friend are having difficulty with Medicaid or are in need of asset protection or Medicaid Planning services, I would be pleased to offer you a free consultation.

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