Quick Read
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An unpaid $12,000 hospital bill can count toward Medicaid’s spend-down threshold, potentially qualifying seniors whose income slightly exceeds the limit.
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36 states and D.C. offer spend-down programs, but rules vary widely; Medicaid can also cover costs retroactively up to 3 months before application.
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Families should show the unpaid bill to a Medicaid eligibility worker before charging it to a credit card, which complicates the paper trail and adds uncovered interest costs.
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