As of late 2022, more than 84 million were enrolled in Medicaid — a number that has steadily increased in recent years. Amid the pandemic, total enrollees climbed by 20 million people from 2020 to 2022 alone.
Meanwhile, the debate among lawmakers on further expanding Medicaid in some 11 states continues to evolve. Depending on where you reside, passage of such an expansion could mean you become newly eligible for Medicaid.
Medicaid is a nationwide program designed to provide public health insurance for low-income individuals, including seniors and people with disabilities. Established in 1965, it serves today as the single-largest source of health coverage in the U.S.
Because Medicaid is jointly run by the federal government and state governments, its benefits — and your ability to qualify for them — can vary greatly depending on your state.
As a result, certain populations, even if they're living in poverty, may not be eligible for Medicaid. For example, in some states, a healthy, childless adult couple under age 65 with limited means may not qualify for health coverage through Medicaid if their state hasn't adopted Medicaid expansion.
Medicaid coverage across the country has evolved since the program was first created. Different states may employ different eligibility criteria, income limits, or application requirements.
In 2010, the Affordable Care Act (ACA) attempted to expand Medicaid coverage to adults between 18 and 65 with incomes below a certain level, regardless of their age, family status, or health. The ACA also sought to supply those whose incomes fell within specific limits with premium tax credits that would help them afford the purchase of a private insurance plan.
Yet, the Supreme Court ruled that the federal government couldn't force states to expand coverage. States can decide whether to expand Medicaid to cover more people. This has created a coverage gap: Those who have incomes below 100 percent of the federal poverty level and who live in states that have opted against expanding Medicaid may not qualify for Medicaid, or for the premium tax credits.
As of early 2023, most states have adopted the ACA’s broadening of Medicaid. Per the Kaiser Family Foundation, the following states – in addition to the District of Columbia – have expanded Medicaid coverage per the ACA:
States that haven't adopted Medicaid expansion per the ACA include:
The map of Medicaid expansion states continues to evolve, however:
In states without Medicaid expansion, those opposed to expanding coverage have voiced such concerns as increased costs and a higher risk of fraud.
For example, some argue that Medicaid expansion would burden their state’s budget. Although the federal government funds the majority of expanded Medicaid, it doesn't completely cover the costs; states pay 10 percent. In the case of Wyoming, House Majority Floor Leader Rep. Chip Neiman has raised concerns that the federal government wouldn't uphold the federal match, leaving the state to bear more financial responsibility.
Others contend that Medicaid’s most vulnerable beneficiaries may face greater competition for resources, that other health care options are available to those in need, or that expansion may not ultimately translate into better long-term health outcomes.
In states that have adopted expanded Medicaid, you may qualify if your household income lies below 133 percent of the federal poverty level, according to HealthCare.gov.
For older adults, most states provide Medicaid to those who receive Supplemental Security Income (SSI). To be eligible for SSI, individuals must have low incomes, limited assets, and be unable to work due to a qualifying mental or physical impairment. Per the Kaiser Family Foundation, some states expand Medicaid to older adults and disabled people whose income surpasses the SSI limit but falls below the federal poverty level.
You may be able to qualify for Medicaid through the Medically Needy program if your state has established one. The Medically Needy program allows people to enroll in Medicaid when they have significant medical expenses. When they subtract their medical spending from their total income, they can qualify for Medicaid if their income, minus health care expenses, falls below a specified limit (which also varies by state).
To find out whether you qualify for Medicaid, consider consulting the following tools:
Again, the rules governing Medicaid and its complex eligibility criteria varies widely by state. To find out whether you may be able to receive public health insurance through Medicaid, consult with your attorney.
Your home is one of your most significant investments, and taking care of it shouldnt be an afterthought. A Home Maintenance Plan is more than just a convenienceits a strategic way to protect your property, save money, and reduce stress.Heres why investing in a Home Ally Maintenance Plan is the smartest decision you can make for your home and peace of mind.1. Proactive Care Saves You MoneySmall problems left unchecked can turn into costly repairs.Examples of Preventable Costs:Dirty HVAC filters reducing system efficiency and increasing energy bills.Loose fixtures that cause further damage over time.Why It Matters: Regular maintenance catches these issues early, saving you money and avoiding bigger problems.2. Simplifies Your To-Do ListBetween work, family, and other commitments, finding time for home maintenance can be overwhelming.How a Maintenance Plan Helps:TruBlue handles routine tasks like smoke detector battery checks, lightbulb replacement, and seasonal checks.Youll never have to scramble for repairs or maintenance on your own.The Result: More time for the things you love and less stress about home care.3. Protects Your Homes ValueWell-maintained homes retain their value and even appreciate over time.Key Benefits:Regular maintenance keeps systems and fixtures in excellent condition.Keeps interior spaces fresh and functional for better appeal.Prepares your home for future resale, ensuring fewer issues during inspections.Fun Fact: Buyers often prioritize homes with a history of regular maintenance.4. Year-Round ComfortEvery season brings unique maintenance needs. TruBlues Home Maintenance Plan ensures your home is always prepared.Seasonal Services Include:Winter: Sealing drafts and heating systems filter changes.Spring: Preparing outdoor spaces and checking essential systems.Summer: Cooling system filter changes and deck maintenance.Fall: Ensuring seasonal adjustments for energy efficiency and comfort.Why It Matters: Your home remains safe and comfortable no matter the season.5. Customized to Your Homes NeedsNo two homes are alike, which is why our plans are tailored to your unique requirements.What We Offer:Flexible scheduling to suit your lifestyle.Services specific to your homes age, location, and features.Options for one-time fixes or ongoing care.TruBlue Advantage: A plan designed just for you ensures maximum value and efficiency.6. Peace of Mind for You and Your FamilyKnowing your home is in expert hands reduces anxiety and frees up mental energy.How We Provide Peace of Mind:Reliable service from experienced professionals.Transparent communication about whats done and whats next.Regular updates and reminders to keep everything on track.A TruBlue Home Maintenance Plan is more than just a serviceits a partnership that protects your home, simplifies your life, and ensures peace of mind. With proactive care, tailored solutions, and year-round support, its the best investment youll make in your home.Contact TruBlue today to set up your personalized Home Maintenance Plan and discover the joy of worry-free homeownership!
Our eyes are incredibly precious, yet its easy to take our vision for granted until problems arise. Lets focus on proactive steps to maintain and improve our eye health. Here are some tips to keep your vision in top shape: Schedule Regular Eye Exams: One of the best ways to safeguard your vision is by scheduling regular eye exams. Comprehensive eye exams can detect vision problems early on, allowing for prompt treatment and prevention of further complications. Make it a priority to see your eye doctor at least once a year, even if you dont currently wear glasses or contact lenses. Protect Your Eyes from UV Rays: Just like your skin, your eyes can be damaged by the suns harmful UV rays. Whenever youre outdoors, especially on bright, sunny days, wear sunglasses that offer UV protection. Look for sunglasses that block 100% of UVA and UVB rays to shield your eyes from potential damage. Give Your Eyes a Break from Screens: In todays digital age, many of us spend a significant amount of time staring at screens, whether its for work, leisure, or staying connected. Prolonged screen time can lead to digital eye strain, characterized by symptoms like dry eyes, blurred vision, and headaches. To reduce eye strain, follow the 20-20-20 rule: every 20 minutes, take a 20-second break and look at something 20 feet away. Eat a Balanced Diet: Nutrition plays a crucial role in maintaining eye health. Incorporate foods rich in vitamins and antioxidants, such as leafy greens, colorful fruits and vegetables, fish high in omega-3 fatty acids, and nuts and seeds. These nutrients can help protect against age-related vision problems like macular degeneration and cataracts. Practice Good Eye Hygiene: Proper eye hygiene is essential for preventing eye infections and irritation. Wash your hands frequently, especially before touching your eyes or handling contact lenses. Follow your eye doctors recommendations for contact lens care, including proper cleaning, disinfecting, and storage. Stay Hydrated: Dehydration can contribute to dry eyes, so be sure to drink an adequate amount of water throughout the day. Aim for at least eight glasses of water daily to keep your eyes and body hydrated. Get Plenty of Sleep: Adequate sleep is crucial for overall health, including eye health. During sleep, your eyes receive much-needed rest and replenishment. Aim for 7-9 hours of quality sleep each night to help reduce eye fatigue and maintain optimal visual function.By incorporating these simple yet effective tips into your daily routine, you can help protect and preserve your precious eyesight for years to come.Your eyesight is irreplaceable, so take care of your eyes today for a brighter tomorrow!
According to the World Health Organization, more than 55 million people (about twice the population of Texas) worldwide are living with dementia. If your loved one has started showing signs of dementia and you are looking for a memory care facility in Pittsburgh to provide them with proper and safe care, wed like to help you in your search. Choosing a memory care facility can affect your loved ones quality of life and overall well-being. In this blog, we will discuss making informed decisions, and how to find the best memory care facility for your loved one through proper research. What are the signs of early dementia? According to the Alzheimers Association, early dementia signs include problems with: Short-term memory. Keeping track of a purse or wallet. Paying bills. Planning and preparing meals. Remembering appointments. Traveling out of the neighborhood. Conditions usually start slow and progress as time goes on. Contact a doctor if you or your loved one are having difficulties with any of these signs. Location When choosing a location, your loved one being comfortable is most important. Is it a new area? Is it the same town theyve lived in for years? It all depends on your loved ones or your preferences to find the best location to choose. According to The Ridge Senior Living, when choosing a location, the most important factors include how close the family is, the ability of the location to meet your loved ones needs, the surrounding area, and the facilities nearby. Begin your search with facilities near your loved one, it may be best for them to stay within an area they are familiar with and attach memories. Ratings and Reviews When researching memory care facilities for your loved one, its important to research ratings and reviews from family members of current residents. According to A Place for Mom, look for thoughtful reviews and how they compare to ratings, sometimes reviews can be biased or inaccurate, but its important to take the time to look and evaluate all the information in front of you. Certain specifics to look for when looking at reviews on websites are the amount, if its a family member, specific details, reoccurring topics, and verification of the review. If you find something negative, dont be afraid to ask the facility more on that topic and evaluate their response when you go on a tour. Book a Tour Taking a tour of the potential memory care facility your loved one will be at is crucial. This is your time to assess the environment and cleanliness of the facility, if it gives off a positive ambiance. While on a tour, you will meet some staff who would be in charge of your loved ones care and needs. You want to look for compassionate and kind employees who will put your loved ones needs first. You have the opportunity to interact with staff and get a feel for their level of training and demeanor. During your tour, keep an eye out for safety precautions the facility takes, like secure entryways and staff to resident ratios. Many facilities offer levels of care or specialized care plans, you can learn more on your tour asking questions about their programs offered and how they evaluate residents with dementia. Remember, it is not you in memory care, consider your loved ones comfortability in this facility and ask yourself if this is the best environment for them. Staff When it comes to memory care, the staff is extremely important to your loved ones experience. Working in memory care takes passion, patience, and grace. Something to look out for at a memory care facility is if the staff are Certified Dementia Practitioners. They have a special knowledge and training in dementia care, and the various stages and challenges. They are trained in giving personalized care to each resident based on your loved ones specific and unique needs. When dementia progresses, Certified Dementia Practitioners have the knowledge on how to manage behavior and use redirection techniques to create a supportive environment. Remember to ask on your tour if any of the facilitys staff are Certified Dementia Practitioners. Security and Safety Whats more important than safety? Many memory care units are designed for people living with dementia to do it safely and for families to feel comfortable their loved ones are in a protected environment. You want your loved one to be able to move around freely and not be in a confined space, which is why doing the proper research and asking the important questions is necessary. When residents can move freely and safely, it can help to reduce anxiety and confusion. That feeling of independence is important for them to hold on to, as A Place for Mom stated, sheltered freedom. Things to look for in a facility that promotes safety: Open floor plans Secure outdoor spaces Video monitors Wander Guard Locked doors Bed monitoring systems Cost and Financials As you begin your search for a memory care facility, you will notice the range in prices and how different needs could affect the overall cost of living. According to A Place for Mom, the national median of a memory care facility costs $5,800 a month in the United States. This can all be affected by location. It can be hard to grasp the amount of money memory care can be, lets discuss what could be included in the price24/7 care, bathing/dressing/grooming, housekeeping services, protocol systems, medication management, transportation, activities, amenities, and dining. Some memory care facilities offer all-inclusive pricing, paying only a monthly fee, regardless of which level of care is needed. When it comes to affording memory care, there are options. Insurance, savings and assets, veterans benefits, Medicaid, family support, state and local programs, nonprofit organizations, reverse mortgage, and life insurance conversions. Activities and Amenities When doing your research, look out for activity calendars that offer stimulating programs for residents, especially in memory care. Most facilities offer fun and engaging activities for all residents and some specifically are tailored towards residents with dementia. Having amenities like patios, hair salons, a library, WI-FI and more helps your loved one feel at home and able to independently still make choices. Activities help your loved one stay active and build a sense of daily structure, which can improve their mood. Trust Your Gut Feeling When deciding or researching a memory care facility, trusting your intuition is an important factor to consider. Ask yourself if it feels right for your loved one and create a pros and cons list. When you tour a memory care facility, you may feel an emotional connection to that facility, or you may not. The atmosphere of the facility can either bring you comfort or warning signs, ask yourself: Is it a warm environment? Does it seem well-maintained? Is the staff engaging and compassionate? Are their safety measures being implemented? Do they offer daily stimulating activities? Your gut is a powerful tool, this is an important time to use it and trust it. Your loved one needs proper care with a patient care team ready to create a fulfilling life for them. If you are struggling with your loved ones diagnosis and need to talk to someone, The Alzheimers Foundation of America offers Alzheimers and Dementia support groups. You can also research in your local town the support groups that are offered. You and your loved one are not alone in this search, there are many resources and opportunities to create a beautiful life. Take the time to do the proper research and consider the right care your loved one needs.
Our Firm Prepares You for Life What makes our firm different is that we were built with the needs of growing families in mind. We understand you are BUSY, you are growing, you are planning for a life of prosperity and you value ease, convenience and efficiency. You are raising children, and caring for elderly parents, while also working hard to build your own nest egg for a lifetime of support. You want to know youve made the best decisions for your family and that your plan will work when your loved ones need it most. You want to make sure your minor children would be raised by the people you choose, and never by anyone you wouldnt want, and that your teens and adult children are properly prepared to care for you and what you leave behind. You want to feel confident that youve made the right choices, and handled everything so that you arent leaving behind a mess, when something happens. That is our focus as well. Weve developed unique systems to give you the same access to a Personal Family Lawyer as was previously only available to the super-wealthy, so you can have the guidance you need to build and maintain a life of prosperity and wealth. And, to keep your family out of court and out of conflict, which is the greatest risk to the people you love and all you have created, even if youve already worked with a traditional lawyer or created documents online. Our Team Is Here for You We encourage communication with our clients. In fact, weve thrown out the time clocks so you never have to be afraid to call with a quick question. Everything we do is billed on a flat-fee basis, agreed to in advance, so there are never any surprises. We have a whole team to serve you. When you call our office to ask your quick question, you wont have to wait hours or days for a phone call back. Youll get your question answered, right away. And, if you need to schedule a more in-depth legal or strategic call with your Personal Family Lawyer, a call will be scheduled when you're both available and ready for the call so we can make the very best use of your time and not waste your time by leaving voicemail after voicemail back and forth. And, we ensure the most important details of your planning are followed through on and your plan continues to work throughout your lifetime. We have a funding coordinator to ensure your assets are owned the right way throughout your lifetime and none of your assets will end up going through a long, expensive court process or being lost to the state because they were missed after your death. Weve created unique membership programs to keep your plan up to date year in and year out as well as give you access to our Trusted Team of Legal Experts for guidance on ANY legal or financial matter. One day you will need a lawyer. I dont know why and I dont know when, but when you do, you will be grateful you can call on us and well be here to advise you or get you out of a jam. We Help You Transfer Your Life and Legacy Lastly, we believe your financial wealth is only a small part of your overall Life and Legacy Planning which is made up of your far more valuable and most often lost upon incapacity or death intellectual, spiritual and human assets. These assets are what make you who you are, and sum up whats most important to you. And, a survey of inheritors has revealed that what they care about even more than inheriting your money, is inheriting these intangible assets. Most estate plans only focus on the transfer of your financial wealth to the next generation. Most people have such great intentions of passing on the intangible, but very few ever get around to it. Its just not a priority, until its too late. How much do you know about your grandparents values? Their most prized personal possessions? How they felt about you? What they had learned during their lifetime? If you are like most people, you know very little. Thats why we build the capture and passage of these most valuable assets into every estate plan we create. Not only will we help you pass on your money, but also your values, your insights, your stories and your experience the truly valuable assets your loved ones care about the most. Weve developed a tool that allows us to capture and pass on your whole family wealth, including your Intellectual, Spiritual and Human assets. I cant go into all of the details here, but well definitely talk about it when you come in for your Life and Legacy Planning Session.