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You do not have to be indigent to qualify! The rules are for the Middle Class! To prevent families from becoming impoverished.


No one knows when an emergency may happen, many families have not made decisions or spoken about their decisions if they have. Proper planning starts with Communication!

The main guarantee in life is that things will change, Sometimes these changes strike without warning. Many of our families have themselves or have a loved one who has experienced a sudden illness or serious accident, you understand how abruptly everything can change.


If you or a loved one is suddenly in need of nursing home care asset protection planning is crucial to preserve your family and giving your the freedom to choose your care preserving your dignity.


Finding and affording quality care on short notice can be stressful and draining. We can help you determine the best options for care and how to qualify for Medicaid to help finance your stay.


Long-term care is expensive, and these costs only continue to increase as baby boomers age. Although the range varies depending on where you live, according to the American Association for Long-Term Care Insurance, the annual cost of care will double in the next 20 years, increasing from $73,000 to $131,800. With improved medical care, the average life span of adults also is increasing; this translates into more years of care at increasingly higher rates. Without some sort of financial assistance, these costs could be financially devastating. In fact, your entire life savings could be quickly depleted within a few years of needing long-term care. This is where Medicaid can help.Medicaid is a joint federal and state program to assist those in medical need. While Medicare provides very limited long-term care coverage, Medicaid is much more extensive, it is actually health insurance. However, because of its restrictions, qualifying for Medicaid can be extremely difficult. But paying for a nursing home without it could be all but impossible.


Our medicaid team will guide you through the complexity of Texas requirements for eligibility.

Although Medicaid requirements vary from state to state, they all share one common element: complexity. There are four tests to qualify for medicaid: Medical Need, the 5 year look back on gifts and transfers, Income and assets. These tests vary as to whether you are under or over 65 years of age and whether you are married or single.


Qualifying for Medicaid is like doing your taxes, you may not know all the exemptions and deductions the law allows unless you have guided assistance from a CPA. Its the same for Medicaid, you are allowed to sell everything and private pay  until its all gone or you can enlist the help of a lawyer to guide you through your options.


The rules change every quarter and big changes every year.

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