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our Approach

Protect Every Last Dollar For Your Family And Still Receive Approval For Benefits - Quickly!

For Families

At Platinum we're professionals in asset protection plan implementation and application processing for long term care through Medicaid. This is the benefit most commonly considered for limited home health care, assisted living care and for substantial or total financial assistance for nursing home care. Platinum has helped nearly 10,000 families gain these emotionally and financially valuable benefits.

If you feel the family assets are at risk and you or a family member have worked too hard to simply lose the money on the cost of long term care and you're looking to save the family assets legally, ethically and strategically AND make sure your loved one gets the care needed then

We publish information like this every week. Join over 50,000 Platinum Benefit Subscribers and get fresh content delivered directly to your email inbox. At Platinum Benefit you'll get nothing but results driven application services with a hyper focus on asset protection as directed by appropriate legal counsel.

The Florida Medicaid program provides medical coverage for Florida residents who meet the program's eligibility requirements. Once an individual is approved for Medicaid in Florida medical bills will be paid, primarily by Medicaid.

These bills include not just nursing home care, but also hospital stays, home health care, home and community based services, hospice, transportation, dental and vision care, community behavioral health, and prescription medications. (Although in some cases, Medicare coverage may overlap this coverage).

The following services are required to be offered by all states, including Florida, under Medicaid:

  • Nursing Facility Services For Individuals Age 65
  • Nursing Facility Services For Individuals 21 Or Older If Determined Disabled
  • Home Health Care For Individuals That Are Eligible For Nursing Facility Services
  • Inpatient Hospital Services
  • Outpatient Hospital Services
  • Physician Services
  • Medical And Surgical Dental Services
  • Lab And X-Ray Services
  • Family Nurse Practitioner Services

The following services are optional; however, most states will also offer them through Medicaid:

  • Ambulatory Services To Individuals Who Are Entitled To Institutional Care
  • Home Health Services To Individuals Who Are Entitled To Nursing Facility Services
  • In-Home Assistance
  • Prescription Drug Coverage
  • Dental Services
  • Prosthetic Services
  • Optometrist Services And Eyeglasses

While Medicaid covers many services, there are a number of items that are not provided by this program. Medicaid does not cover the following services:

  • Private Room, Unless It Is Medically Necessary
  • Specially Prepared Food, Beyond That Which Is Generally Prepared By The Facility
  • Telephone, Television, And Radio
  • Personal Comfort Items, Including Tobacco Products And Confections
  • Cosmetic And Grooming Items And Services That Are In Excess Of Those Included In The Basic Service
  • Personal Clothing
  • Personal Reading Materials
  • Gifts Purchased On Behalf Of A Resident
  • Flowers And Plants
  • Social Events And Activities That Are Beyond The Included Activity Program
  • Special Care Services That Are Not Already Included In The Facility's Medicaid Payment

It is important to note that some exceptions may apply. However, exceptions must typically be medically necessary and ordered by a physician before the exception can be applied.

Unlike Medicare, there are some fairly strict financial rules with which one must fall into in order to qualify for Medicaid's nursing home benefits. Yet, for those in need of this coverage, there are numerous strategies and combinations of strategies that can be used to qualify.

By using these strategies properly, with the guidance of a professional, proper care for a loved one can be obtained while preserving assets and income for a healthy spouse and / or other family member(s).

If an applicant is living in their home (i.e., not in a nursing home), the Medicaid program refers to them as living "in the community." In this case, Medicaid will still pay for certain services if the person qualifies. The basic test is whether the individual would otherwise require the level of care provided in a hospital, nursing facility, or intermediate care facility for the mentally retarded. In other words, an applicant for home care must meet the level of care for some type of institutionalized care.

Many states - including Florida - have a program called "HCBS" This stands for Home and Community Based Services. Until recently, a state wishing to provide Medicaid assistance to elderly people outside the nursing home had to apply to the federal government for a specific waiver of the usual Medicaid rules. However, as a part of the Deficit Reduction Act, and beginning in 2007, all states are eligible to offer this program now without first having to obtain a federal waiver by submitting a state plan amendment setting forth the scope of the new HSBS program they wish to implement. Therefore, both the old waiver program and the new SPA option will exist concurrently. There is no federal requirement limiting the number of HCBS programs that a state may operate at any given time, and currently there are just fewer than 300 HCBS waiver programs in operation throughout the U.S.

In general, HCBS will pay for the following in-home services:

  • Case Management
  • Personal Care Services
  • Respite Care Services (I.e., Care For The Patient In A Nursing Home For A Few Days In Order To Give The Home Care Giver A Needed Break)
  • Adult Day Care Services
  • Homemaker / Home Health Aide Services
  • Habilitation (I.e., Assistance For People In Furthering Their Skills In Areas Such As Mobility, Social Behaviors, Self-Care, Basic Safety, Housekeeping, Personal Hygiene, Health Care, And Financial Management)

It is important to note that room and board of the HCBS recipient are not covered and that home care is very limited even when full qualification is obtained.

It is true that an applicant must be poor in countable assets. There are many asset categories that are not countable. Therefore, the requirement of being destitute is a misnomer.


What has it been like working with Platinum Benefit Services?

“We were very pleased with the help and support we received in this difficult transition.  We were completely overwhelmed with the process and everyone was so patient in explaining the process and answering any and all questions we had.  Thank you so much for all your help and support!!”

Sarah Smith

“Everyone is professional and knowledgeable. Emails and phone calls are always returned in a timely manner. (Which is a pet peeve of mine.) They really helped me in a time when I needed it.  Putting your mother in a nursing home is stressful enough on its own.  Let alone trying to figure out the Medicaid process.  Until I went to Platinum Benefit I heard several different “Non Facts” about how and when to apply for Medicaid.  I would highly recommend Platinum Benefit to anyone needing similar assistance.”

Michael Tudisca

“Tony and Jenna were wonderful! It was a very stressful time, with my father passing and my mother in a nursing home. With them working on my mother’s case, I felt like a weight had been lifted off my shoulders. They were very professional and a delight to work with.”

Bridget Jorge

Our Commitment

Platinum Benefit Services, Inc. is committed to helping families gain maximum government benefits for Long Term Care and providing both compassion and application expertise. Since 1996, we have helped nearly 10,000 families qualify for Medicaid while strategically protecting an estimated $1,000,000,000 in assets in conjunction with appropriate legal counsel.

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