As a general rule, Medicare does not cover long-term care facilities. As a result, Medicare does not pose a challenge to your clear title to your home. It is common for people in care settings to pay for their care. Some deplete their liquid assets over time and qualify for Medicaid assistance.

For more information on Medicaid eligibility, check your state’s website.

Medicaid liens on homes have become common since the federal Omnibus Budget Reconciliation Act (OBRA) of 1993, which forces estate recovery if the homeowner:

– Relied on Medicaid at age 55+.
– Left the home, at any age, for a permanent care setting.
– Has no dependents with valid claims to the house.

For states to receive federal Medicaid funds, they must recuperate for nursing, hospital, and drug services.