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Medicaid Family Planning In Indianapolis

When someone you love needs long-term care, the last thing you want to worry about is how to pay for it — or whether the state will take everything your family has worked for.

Medicaid can help cover the costs of nursing homes or assisted living facilities, but the rules are complex and the stakes are high. A single mistake or missed detail can mean a denial, delays, or losing the chance to protect your loved one’s home and savings.

At Gilbert Legal Services, we help families in Indianapolis plan ahead so they’re not forced into crisis-mode decisions. And if you’re already facing an urgent situation, we’ll step in quickly to guide you through the process.

Father and adult son talking over coffee

What to Do When a Parent Suddenly Needs Nursing Home Care

1. Begin the process early

The sooner you start the process, the better. Medicaid planning is a complex process, and it can take months to complete.

2. Work with an experienced elder law attorney

Gilbert Legal Services has extensive experience helping clients in Indiana with Medicaid applications and appeals. Our attorneys can help you navigate the program’s eligibility rules and ensure that all of your documentation is in order.

3. Understand your options:

There are many different ways to structure your finances to qualify for Medicaid. Gilbert Legal Services can help you understand your options and make the best decision for your unique circumstances.

4. Be mindful of deadlines

Medicaid has strict deadlines that must be met in order to qualify for benefits. Gilbert Legal Services can help you meet these deadlines and avoid any potential roadblocks.

Indianapolis Medicaid Family Planning FAQ

What is Medicaid?

  • Medicaid is a medical insurance plan, made by the government. Medicaid provides health coverage to millions of Americans, including eligible low-income adults, children, pregnant women, elderly adults, and people with disabilities. Medicaid is administered by states, according to federal requirements. The program is funded jointly by states and the federal government.

What is Medicaid Planning?

  • Medicaid planning refers to any assistance in the Medicaid process. For many people, especially those whose income and assets exceed the limits of Medicaid protection, Medicaid planning can be used to secure health insurance and nursing home support without draining their life savings.

How do I protect my assets from Medicaid?

  • There are net worth and asset limits that decide who is and isn’t eligible for Medicaid assistance. However, there are multiple legal strategies to protect your assets and become eligible for Medicaid without spending your life savings. One of which is called a Qualified Income Trust, also called a Miller trust. By putting assets in trusts and converting them to non-countable assets, almost anyone can become eligible for Medicaid. Our job as attorneys is to derive creative solutions and strategies to protect our client’s assets while securing them Medicaid assistance.

Do I qualify for Medicaid in Indiana?

  • Many changes have been made to the eligibility requirements over the years, and they vary from state to state. Medicaid rules in Indiana are different from those in other states, and our attorneys will help you determine whether you are eligible and help you plan.

Do I need a Medicaid planning trust?

  • Trusts such as the Qualified Income Trust can be set up by legal professionals and can assist in the process of becoming eligible for Medicaid assistance. However, it isn’t the right strategy for everyone. Contact us to schedule a free consultation, and we will determine the best strategy to protect your assets and secure quality long-term care for you or your loved ones.

Is Medicaid planning worth it?

  • A lot of people turn to online tools because they seem quicker and cheaper — and for very simple estates, they might do the trick. But these templates often miss important Indiana-specific laws or overlook critical details like guardianship, blended families, or non-probate assets.
  • What seems like a money-saver now can create expensive problems down the road — like delays, court battles, or even invalid documents. A trusted attorney helps ensure your plan actually protects your family the way you meant it to.

Do I need a Medicaid planning trust?

  • Medicaid planning costs often vary depending on the time and legal processes needed to secure eligibility and proper care.

Is Medicaid planning worth it?

  • The whole point of Medicaid planning is to protect your assets from being drained by long-term care and medical costs. Our job as Medicaid planners is to save your money and protect your assets, making the process undeniably worthwhile.

At Gilbert Legal Services, we understand that deciding to place a parent in long-term care isn’t easy, especially when the decision needs to be made quickly. Our experienced elder law attorneys have been providing legal services to the Indianapolis community and are dedicated to helping you protect your parents’ assets and plan for the future. If you’re worried about covering care costs or keeping their home safe, we’re here to guide you through every step.

You don’t have to face this alone. Call (317) 855-9922 or fill out the form below to schedule your consultation.