Why Would Medicare Take My House?





As age takes its toll and overall health declines, home owners can find themselves in scary situations. Much akin to the credit card troubles that plague many first time credit card users, many home owners with poor health worry that Medicare may take their house. By learning the facts about Medicare and Medicaid, home owners with declining health can be much better equipped for handling their situation.

Medicare and Nursing Facilities

When an ailment befalls a home owner that requires a stay in a short term nursing facility, the price of this nursing home stay can often be covered by Medicare. Since Medicare does not seek reimbursement for any of the short term nursing home stays, Medicare would never put a home owner’s place of residence at risk.

Medicaid — The Long Haul

Unfortunately, while Medicare will not seek to claim possession over a home for reimbursement, it also does not cover long term nursing home care. However, Medicaid does cover long term stays in nursing home facilities. Of course, in order to qualify for Medicaid, the home owner and their spouse’s combined income must be extremely low.

The Catch

So long as one of the spouse’s remains within the home, Medicaid does not count the value of the house in determining eligibility. If both leave the house permanently, however, Medicaid can seek reimbursement for the long term nursing home care from the value of the home. Being unaware of this is what has led many elderly individuals to lose their homes.

Medicare Is Safe

Medicare would never, under any circumstances, try to take the home of an individual. For elderly individuals who must spend a long term stay in a nursing facility, it is often a prudent move to deed out the house to a close relative more than 60 days before they leave for the nursing facility. This helps to ensure that Medicaid cannot steal their house out from under them, leaving them homeless and in poor health.



7 Responses to “Why Would Medicare Take My House?”

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  2. Bernie says:

    Medicare required me to sign a document that stated they have the right to take my home to seek reimbursement for anything that Medicare paid on my behalf. I as of yet have not been able to locate to document that I have signed for proof. Everyone I have asked has no knowledge of this practice from the receiving point of view except my Mother In Law. Her Father signed the document and when he died a couple of years ago Medical attempted to take his home from the family. My Mother in Law had to pay a huge amount of money to keep the house.I pray that This does not happen to me….

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  4. roger says:

    your expert advises that it’s “often a prudent move to deed out the house to a close relative more than 60 days before they leave for the nursing facility”
    Is that a typo? It’s not 60 DAYS…it’s 60 MONTHS!

  5. maryann briggs says:

    My parents had to sell thier home, car, stocks and bonds, and have their funeral expenses paid when they had to go into a nursing home. is there a law that states how long a home owner has before he goes into a nursing home, to sell their house to a relative?

  6. Not too sure about medicaid, but I do know in my state if you have state sponsored insurance, they can take all of your possessions upon your demise.

  7. leo finnik says:

    what is the reason that people pay into medicare when they are young and when they reach retirement age there home,care,boats etc is at risk isnt that double paying?