Florida Medicaid Help in Palm Beach and the Treasure Coast

Counties: Palm Beach, Martin, St. Lucie, Indian River and Okeechobee.

Communities include: West Palm Beach, Boca Raton, Delray Beach, Boynton Beach, Jupiter, Palm Beach Gardens, Wellington, Stuart, Port St. Lucie, Fort Pierce, Vero Beach, Sebastian.

Nursing homes and assisted living facilities anywhere in these counties. Florida Medicaid is administered by Florida Department of Children and Families (DCF) under one set of rules statewide, and a Medicaid application is the same application whether the facility is in West Palm Beach or in Bonita Springs.

Palm Beach County families are more likely than most to have the kind of estate, a valuable homestead, brokerage accounts, an annuity or two, a trust drafted years ago up north, where the difference between a plain application and a planned one is measured in hundreds of thousands of dollars. Revocable trusts do not protect assets from Medicaid and are a frequent surprise.

• Florida Department of Children and Families (DCF): takes the financial application through ACCESS Florida (online) or by phone at 1-866-762-2237.
• Department of Elder Affairs, CARES program: makes the medical level-of-care determination for this region.
• Area Agency on Aging of Palm Beach/Treasure Coast: the Aging and Disability Resource Center for Palm Beach and the Treasure Coast, reached through the statewide Elder Helpline at 1-800-96-ELDER (1-800-963-5337). It screens applicants for the assisted living and home care wait list.
• Senior Care Resources: manages the application, coordinates with all three, and involves our affiliated elder law firm when a case needs legal work.

• Income cap: $2,982 a month (a Qualified Income Trust above that).
• Countable assets: $2,000 for a single applicant.
• Community spouse resource allowance: up to $162,660.
• Community spouse income allowance: $2,705 to $4,066.50 a month.
• Transfer penalty divisor: $10,645 per month.
• Home equity limit: $752,000.

All of these are explained in the Florida Medicaid limits guide.

1. A free screening by phone or online tells us the applicant's income, assets, marital status, and care setting.
2. We give you a written plan: what is exempt, what must be spent down and how, whether a Qualified Income Trust is needed, what a spouse at home keeps, and whether anything needs an attorney.
3. We gather the documents with you, including the five years of statements Florida requires.
4. We file with DCF, serve as designated representative, coordinate the CARES assessment, and answer every request for information until the case is approved.
5. After approval we set up the monthly trust deposits if there are any, explain the patient responsibility, and prepare you for the renewal.

Read more about how the process works and what to expect from the application.