Medicaid Support & Guidance
Medicaid can be confusing—especially when it’s needed during a health crisis or a major life transition. Rules vary by state, eligibility depends on income and assets, and the application process can feel overwhelming. True North Associates helps seniors and families understand how Medicaid works, what it covers, and where to start. Our goal is to bring clarity and calm during an often stressful time, so you can make informed decisions with confidence.
Navigating Medicaid for Seniors
Medicaid plays a critical role for seniors and low-income individuals by helping cover healthcare costs that Medicare does not—especially long-term care. Unlike Medicare, Medicaid is need-based and eligibility rules differ by state, with strict income and asset limits. For many families, Medicaid becomes essential when nursing home care or ongoing in-home support is needed. Understanding how your state’s program works is the first step toward getting help. We explain the basics clearly and help you understand what may apply to your situation.
Our Medicaid Assistance Services
Medicaid Eligibility Guidance
We help you understand whether you or a loved one may qualify for Medicaid based on income, assets, and care needs. While legal or advanced spend-down strategies may require an elder law attorney, we provide practical guidance to help you know where you stand and what questions to ask next.
Application & Paperwork Help
The Medicaid application process can involve extensive documentation and follow-up. We help you understand what’s required, where to apply, and how to prepare—offering patient support as you gather records and complete forms. When appropriate, we also connect you with trusted state resources or professional partners.
Long-Term Care Medicaid Planning
Medicaid is the primary payer for long-term nursing home care and some home-based services. Planning ahead can make a meaningful difference in outcomes and timing. We discuss how insurance solutions—such as short-term care coverage or certain annuity structures—may help bridge gaps or support asset planning alongside Medicaid considerations.
Support for Dual-Eligible Medicare & Medicaid Clients
Some individuals qualify for both Medicare and Medicaid, known as “dual eligibility.” In these cases, there are specialized Medicare Advantage plans called Dual Special Needs Plans (D-SNPs) designed to coordinate benefits and reduce out-of-pocket costs. True North Associates helps dual-eligible clients understand their options, choose appropriate plans, and complete enrollment. Coordinated coverage can significantly improve access to care and simplify benefits.
Medicaid vs. Medicare: Understanding the Difference
No matter where you live, Medicare rules and plan availability can vary. True North Associates is licensed in Maryland, Delaware, Pennsylvania, Virginia, DC, New York, New Jersey, Florida, North Carolina, South Carolina, West Virginia, Ohio, Michigan, Minnesota, Oregon, Utah, and Montana—with fast licensing available elsewhere as needed. You’ll benefit from both national plan access and local knowledge, including state-specific rules like Maryland’s “Birthday rule” for Medigap changes. All support is available by phone or virtual meeting, so you get clear guidance wherever you are.
Your Medicaid Questions, Answered
Will Medicaid take my house or assets?
Medicaid rules may include estate recovery after death, particularly for long-term care benefits. Whether this applies depends on state rules, asset ownership, and family circumstances. Because this can affect your estate, legal guidance is often recommended. We help you understand the general rules and when to seek additional help.
Can I have Medicaid and Medicare or private insurance at the same time?
Yes. Many people have Medicare and Medicaid together, and Medicaid may help pay premiums, copays, and services not fully covered by Medicare. Coordination of benefits is important to avoid gaps or billing issues. We help explain how coverage works together in real-life terms.
Do you charge for Medicaid help?
Initial guidance and education are typically provided as part of a consultation. If specialized planning or legal work is needed, we’ll explain your options and refer you to trusted partners when appropriate. Our focus is on making sure you get the right help at the right time.
Compassionate Guidance When You Need It Most
Medicaid decisions often happen during difficult moments—health declines, urgent care needs, or financial strain. True North Associates approaches every situation with care, patience, and respect. We take the time to listen, explain options clearly, and support you through each step. You don’t have to navigate Medicaid alone.
