Medicaid FAQs - Medicaid Help - Qualify and Apply For Medicaid - New York

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What do I need to get started for filing?

When filing for Medicaid, federal and state agencies are going to look over your income and assets to determine eligibility. You’ll need to gather proof of income, asset statements, and statements on other benefits like SSI. We work with you one-on-one to come up with a personalized list of every document you’ll need to file. 

What are the income limits of Medicaid?

The income limits vary from state to state. The 2018 guide for New York states that single-person homes have a limit of $842 monthly or $10,100 annually. Couples have a limit of $1,233 monthly and $14,800 annually. If your income is greater than this, you can use a variety of strategies to still qualify for Medicaid. Learn more about income limits here. 

What is a Pooled Income Trust?

A Pooled Income Trust is a common solution for Medicaid applicants. It allows the beneficiaries to put their excess income in the trust so they can qualify for Medicaid. The money in the trust can then be used to pay recurring bills for the beneficiary such as utilities, credit card charges, phone bills, and more. Our planning page has more information on the many financial options available. 

What benefits does Medicaid provide?

Medicaid was designed to cover the costs of long-term care, home care, doctor’s visits, and hospital visits. Unlike Medicare, it does not cover the costs of health insurance and prescriptions. 

Do Medicaid patients receive the same treatment as private pay?

Yes. It’s a common misconception that Medicaid patients are treated differently than private pay patients. There are many state and federal laws in place to ensure people receive identical care.

75% of long-term care patients are paid for by Medicaid, with only 25% being private pay. In fact, it is by law that the only people in the facility who know how your treatments are covered is the administrative office. Nowhere on any patients’ chart does it say how they are paying, so everyone is treated in the same way.

What is Medicaid Pending Home Care?

Under certain circumstances, your loved one can receive home care treatments at no cost before they are approved for Medicaid. Talk with your Medicaid planner to see if this is the right option for you. Learn more about how to apply for Medicaid in New York today.


Do I have to "spend down" my life savings to qualify?


While it is true that New York has income limits, it’s far from the only way to qualify. You don’t have to spend down all of your assets. There are many ways to reorganize your money and assets that allow you to

1) hold on to some legacy

2) pay for your bills and loved ones at home, and

3) pay for extra treatments to improve your quality of life.

Our financial planning page has more information on what you can do to save money.

What’s the difference in services between a Medicaid Planner and an Eldercare attorney?


Medicaid Planners are designed for the average American to plan, file, and secure Medicaid. We use our expertise in the common pre-planning strategies to file and secure Medicaid for you. Medicaid Planners also use their expertise in long-term care facilities to guide you through the processes of choosing the best one for your loved one.

Eldercare Attorneys are ideal for people who have more complex legal issues surrounding their senior care. These attorneys are experts in setting up special accounts, durable power of attorney, irrevocable trusts, guardianships, and other issues. If you are unsure which option is best for you, we are happy to help you decide.

Still have questions? Reach out and a member of our team will get you answers.

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