How to reduce income to qualify QMB-medicaid?. The income is just 60 dollars over the limit?

  • by Jason
  • Feb 10,2018
  • 4 answers

Since my father is admitted a nursing home. his income from social security was transfer to my mother who gets about $330 from social security as well. Total became $1080 while the limit of the QMB qualification is $1025.
is there any way to reduce income by $70 so that she can be qualified again? She was on QMB until my father was with her.
Will insurance premium or such reduce the income?
Thanks in advance


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Insurance Answers (4)

Judy 3 months ago

no, sorry

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H. Marie 3 months ago

she gets what she gets and there is no way to change that

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Flower 3 months ago

I am in the same situation. I looked into buying vision or dental insurance but it wasnt worth it since that would cost more than the share of cost in Medicaid. I already answered you once before because that works where i live. I dont know if it works when someone is in nursing home. You cannot transfer Social Security benefits to anyone. Your Dad needs the Social Security to pay for nursing home. Medicaid only covers his residential cost but he still has to turn over all of his Social Security.

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babyboomer1001 3 months ago

No, insurance will not reduce the income. Nothing they buy will do that. Further, trying to find a way to qualify when their income does not qualify them usually results in fraud. Is your father wanting to go into a nursing home or a federal prison? They check back several years and examine income and expenses very closely to make sure there is no fraud. Your mother will either have to pay for the nursing home, perhaps, take out a loan from the equity in the house, get a reverse mortgage to pay for the nursing home or sell the house and buy a smaller one, with money left over to pay for the nursing home for a number of years, or hire a nurse to look after him in her home. She has options. I suggest she and you think about the "legal" ones, not the illegal ones because she will be caught and you will likely go down with her. This is why some people have long term care. If they felt they didn't need it, then perhaps it is time to sell the house and buy a smaller one or a condo instead or get a reverse mortgage - tapping the equity in the house.

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