Medicaid spend-down in Florida is the process of reducing countable assets to meet the program's eligibility limit — and it is the single area where families most often act on bad information at real cost. Florida reviews sixty months of financial history on every long-term care application.

Florida Medicaid eligibility for long-term care turns on two financial tests — an income test and an asset test — plus a determination that the applicant genuinely needs that level of care. The tests are more forgiving than most families assume and more technical than most families expect.

Florida Medicaid long-term care planning is the process of arranging your finances and legal documents so that, if you ever need nursing home or in-home care, you can qualify for Medicaid coverage without giving up more of what you spent a lifetime building than the rules actually require.