Health Care Issues

What You Should Know

• Medicare only covers certain hospital, medical and prescription drug costs but does not cover the cost of long-term custodial care at home or in a nursing home
• Medicaid will cover the cost of in-home long-term care expenses as well as the cost of assisted living or nursing home facilities
• Many people who need home care or nursing home care have the mistaken belief that if they have assets they can not qualify for Medicaid benefits
• With proper legal advice from a Elder Law attorney and comprehensive Medicaid planning, even if you have assets, those assets can be preserved and protected and you can legally qualify for Medicaid benefits
• Medicaid planning with a qualified Elder Law attorney is an essential part of making sure that all of your health needs are met without fear of cost

Get All The Medical Care You Need

• Don't go without the in-home or nursing home care that you need
• Contact Robbins & Associates, P.C. and get started on a comprehensive Medicaid plan that will get you the care that you need without spending all of your savings and income

Long-Term Care Insurance

Long-term care insurance is available for seniors at various costs depending on the level of benefits. Its purpose is to provide coverage for the cost of care required by a long-term illness. Depending on the type of policy, coverage may be available for the cost of in-home or nursing care for those who need daily assistance.

Long-term care insurance is not feasible for everyone and we will review your individual circumstances to help determine whether long-term care insurance is right for you. Many of our clients have long-term care insurance but they and their children are experiencing difficulties in obtaining coverage for a claim. The elder law attorneys at Robbins & Associates are fully familiar with the various long-term policy provisions and are experienced in expediting the processing of long-term care claims so that you receive all of the benefits to which you are entitled as quickly as possible.

Health Care Proxy and Medical Directives

No matter your age, a healthcare proxy and medical directive is essential. A healthcare proxy is an instrument wherein you appoint someone to make medical decisions for you when you are unable to speak for yourself. A properly prepared healthcare proxy allows you to receive quick medical treatment without the delays that are encountered when a hospital does not know whom to contact to receive medical instructions. A medical directive (commonly known as a living will) allows you to express your wishes as to the extent of the care to be rendered when you are unable to speak for yourself. By executing a medical directive you can be certain that your choices regarding medical treatment are followed.