Top 10 Medicaid Myths Florida Families Still Believe (and the Truth)

Planning for long-term care is overwhelming enough—but when misinformation gets in the way, Florida families often delay or avoid critical Medicaid decisions. The result? Costly mistakes, missed opportunities, and unnecessary stress during a crisis.

At Absolute Law Group, we hear the same misunderstandings all the time. That’s why we’ve compiled this guide to the top 10 Florida Medicaid myths—and the truth every family should know.

Myth #1: "We make too much money to qualify for Medicaid."

Truth: Florida offers income planning strategies that may still allow you to qualify—regardless of your income level. One option is using a Qualified Income Trust (QIT) to meet eligibility limits legally and ethically.

Myth #2: "I have to spend all my money before I can get Medicaid."

Truth: You don’t have to go broke to get care. Florida Medicaid allows asset protection through spousal allowances, legal exemptions, and irrevocable trusts. A well-structured plan

can preserve savings for a spouse or heirs.

Myth #3: "Medicare will pay for my long-term nursing home stay."

Truth: Medicare only covers short-term rehabilitation—not long-term nursing home care. After the first 20 days, coverage begins to taper off quickly. Medicaid is the primary payer for long-term care in Florida.

Myth #4: "We’ll just give the house to the kids so Mom can qualify."

Truth: Gifting assets can trigger a penalty period of Medicaid ineligibility. The look-back period in Florida is 60 months (5 years), and improper transfers can delay benefits significantly. Never transfer property without legal advice.

Myth #5: "We’ll apply for Medicaid when we need it."

Truth: Last-minute planning is often too late to protect key assets. Proactive planning lets you preserve more wealth, reduce stress, and avoid denials or delays. It's never too early to start preparing.

Myth #6: "If we hire an attorney, it will cost too much."

Truth: In reality, not hiring an elder law attorney can be much more expensive. DIY applications often result in rejections, long delays, or missed benefits. Our legal team can often save families tens of thousands in care costs.

Myth #7: "We can just file the Medicaid application ourselves."

Truth: Medicaid forms are complex and unforgiving. Mistakes can lead to delays or denials. An attorney ensures accuracy, proper documentation, and protection of your rights.

Myth #8: "My parent has dementia—they can't sign legal documents anymore."

Truth: If mental capacity is lost, we can still pursue options through guardianship or court-approved planning. But early planning is always better. If your loved one is still competent, now is the time to act.

Myth #9: "We only need a will—Medicaid planning is separate."

Truth: Estate planning and Medicaid planning should go hand-in-hand. Powers of attorney, revocable and irrevocable trusts, and healthcare directives are critical tools in Medicaid eligibility and asset protection.

Myth #10: "Once approved, we’re set forever."

Truth: Medicaid eligibility must be maintained. Income, assets, and care needs are reviewed regularly. Annual recertification and ongoing compliance are essential—especially when financial or life circumstances change.

How Absolute Law Group Helps Florida Families Protect Assets and Secure Care

We help clients across Central Florida navigate Medicaid with confidence by:

• Creating custom eligibility plans

• Protecting homes and savings legally

• Establishing QITs, trusts, and spend-down strategies

• Preparing applications and documentation

• Representing families in appeals and crisis planning

Whether you’re planning early or facing a last-minute need, our team is here to support you.

Let’s Bust the Myths—and Build a Plan That Works

👉 Schedule a Medicaid planning consultation Or call our office to ask how we can help your family protect what matters most.

Because the truth is: Medicaid planning doesn’t have to be stressful—if you have the right guide.