Медикейт покрывает и нёрсинг хом, и хоме аийд и ассистед ливинг.
Как выйти из положения если понадобится подобная помощь, а доход не позволяет рассчитывать на такие программы?
Существует так называемый Miller Trust.
Вот что о нём говорит ИИ о Miller Trust in Florida.
A Miller Trust in Florida, also called a Qualified Income Trust (QIT), is
a special, irrevocable trust that lets people with income over the Medicaid limit qualify for long-term care (nursing home, home care) by putting excess monthly income into it, making it "unavailable" for Medicaid's income test, with remaining funds used for care costs and eventually paying back the state. You deposit income above the state cap (around $2,901/month in 2025) into the trust, and a trustee manages it to cover personal needs allowances and medical costs, ensuring you meet Florida Medicaid rules for long-term care.
Funds from a Florida
Miller Trust (Qualified Income Trust or QIT) must be used for health, wellness, or medical-related expenses, primarily to cover costs associated with the individual's long-term care.
Allowable expenses include:
Patient Responsibility/Share of Cost: The main use of the funds is to pay the individual's required contribution towards their nursing home or assisted living facility bill.
Personal Needs Allowance (PNA): The Medicaid recipient can retain a monthly PNA (currently $160 in Florida) for personal items like clothing, toiletries, haircuts, and non-prescription medications.
Community Spouse Allowance: A portion of the funds may be allocated to a non-applicant spouse at home, known as a community spouse, if their income falls below a certain threshold.
Uncovered Medical Expenses: The trust can pay for medical, dental, or other health-related expenses not covered by Medicaid or Medicare, such as specific prescription medications, certain therapies, or durable medical equipment.
Health Insurance Premiums: Payments for health, dental, and life insurance premiums are generally permissible.
