Health First Colorado Medicaid Planning for Seniors 65 and Older
Legacy Navigation is a team of Certified Medicaid Planners™ offering Health First Colorado Medicaid planning and clinical case management services for adults 65 and over. Our team is specially trained in Medicaid programs and how to qualify and apply for them. Even better, we are a fraction of the cost of an Elder Care Attorney.
We’re Experts on Health First Colorado Medicaid Planning for Seniors
Determining Eligibility
We have a thorough understanding of Colorado's Medicaid eligibility requirements to help you navigate the state’s rules. We can help you meet the income and asset limits for Medicaid eligibility set by Colorado. We’ll also help you prepare for what to expect during assessments to establish a medical need for care where they’ll determine the level of care you require.
Application Assistance
It’s common for applicants to be denied during Colorado’s Medicaid application process due to procedural errors. As experts, we are familiar with navigating the time-consuming process and identifying the Medicaid programs you might qualify for. If you’re feeling overwhelmed, we can complete the application on your behalf and accelerate the approval process.
Elderly, Blind, and Disabled (EBD) Waiver
Did you know Colorado has Medicaid waiver programs to help you pay for care in your home or an institutional setting?
Our team of Certified Medicaid Planners™ can help you qualify and apply for these programs. We can also help you access providers to establish ongoing care.
Meet Our Team
Planning for Health First Colorado Eligibility: Our Process
INITIAL CONTACT
You reach out to us by phone, email, or through our website. We gather some basic information and listen to your needs.
Result: We schedule your complimentary consultation.
CONSULTATION
We meet with you (virtually or by phone) to understand your situation, review your goals, and answer your questions.
Result: You receive a clear recommendation and plan overview.
ENGAGEMENT
If you decide to move forward, we’ll send your engagement agreement. Once signed and payment is received, we begin.
Result: You’re officially part of the Legacy Navigation family.
DOCUMENT COLLECTION
We provide you with a custom document checklist and guide you every step of the way to gather what’s needed.
Result: We build a complete picture of your financial situation.
STRATEGY & PLAN
We analyze your information and create a personalized Medicaid strategy tailored to your goals and timeline.
Result: You receive a clear plan with next steps explained.
PLAN EXECUTION
We put the plan into action: setting up trusts, completing spend-down strategies, or coordinating with trusted partners as needed.
Result: You don’t have to navigate this alone. We handle the details.
MEDICAID APPLICATION
We prepare and submit your Medicaid application and all supporting documents. We follow up with the state on your behalf.
Result: Your application is in process and moving forward.
APPROVAL
Once approved, we’ll notify you right away and review the approval details with you.
Result: You’re approved for Medicaid and ready for the next steps.
POST-APPROVAL SUPPORT
We help ensure everything is in place: provider enrollment, care coverage, and any follow-up actions needed.
Result: You can feel confident knowing everything is taken care of.
FOLLOW-UP & ONGOING CARE
Result: You have a trusted partner for the long term.
Client and Community Partner Medicaid Planning Testimonials
Our Health First Colorado Planning Services for Seniors
Medicaid Application Assistance
As certified Medicaid consultants, we have a thorough knowledge of Medicaid programs and can help you navigate current Medicaid rules and complete the application on your behalf. Learn more here.
Medicaid Financial Planning
As part of our Medicaid consulting for seniors process, we help you legally structure your financial resources in compliance with Medicaid’s guidelines to meet Medicaid’s income and asset eligibility limits. Learn more here.
Medicaid Asset Protection
We provide guidance on converting countable assets into exempt assets to preserve your family’s financial resources. In many cases, we can protect the family home and ensure that a healthy spouse has adequate resources to continue living independently. Learn more here.
Durable Power of Attorney
Having a Power of Attorney for medical and financial decisions if you become incapacitated is one of the best planning tools you can implement. Our team will educate you on your choices and help you complete a POA according to your wishes. Learn more here.
Clinical Case Management
Our clinical background sets us apart from other firms who provide Medicaid planning services. Beyond the Medicaid application process, we can secure the services you need for long-term care, whether that be home health services, assisted living, or skilled nursing. Learn more here.
Medical Travel Companion
If you or your loved one needs to relocate, our team of Medical Travel Companions can help. We arrange all transportation, medication administration, and clinical and comfort management during the trip. Learn more here.
How Can Medicaid Planning Help Colorado Seniors?
Colorado Medicaid Crisis Planning
- Colorado seniors may experience a sudden life event that immediately changes the level of care they require on a daily basis.
- Seniors and their loved ones may quickly discover that the cost of in-home care or assisted living in Colorado exceeds their income.
- his may leave families scrambling to apply for Colorado Medicaid benefits which are complicated to navigate.
- Legacy Navigation has the experience and expertise to assess your unique situation, develop a customized Colorado Medicaid plan, and complete the application process on your behalf—minimizing the risk of denial and delayed access to benefits.
Colorado Medicaid Pre-Planning
- Colorado seniors in good health should plan ahead to ensure they are prepared for a potential change in their long-term care needs.
- In the event that long-term Colorado Medicaid benefits are required, preparing an estate plan that will extend the life of your funds and protect your assets is necessary.
- Even without the pressure of immediate need, the Colorado Medicaid application process can be overwhelming and convoluted.
- Legacy Navigation can educate you about your options, help you arrange your finances, and convert your assets to extend the life of your savings. You’ll enjoy peace of mind knowing you’re prepared for a sudden change in your care needs.
Benefits of Medicaid Planning for Colorado Seniors
- Protect your assets
- Application assistance for your state’s Medicaid program
- Qualification for HCBS waiver
- Financial assistance to pay for long-term care in your home or in a facility
Medicaid Planning FAQs for Colorado Seniors
At what age do Colorado seniors qualify for Medicaid?
For standard Colorado Medicaid (Health First Colorado), there is no age requirement. Eligibility is determined by income, assets, disability status, or other qualifying factors. However, long-term care programs, such as Colorado’s Home and Community-Based Services (HCBS) waivers, are typically available to qualifying adults 65 and older who need assistance with daily care.
Can seniors use Medicaid to pay for assisted living or other long-term care services in Colorado?
General Medicaid in Colorado does not pay for room and board in assisted living. However, several HCBS waiver programs, including the Elderly, Blind, and Disabled (EBD) waiver, can help eligible seniors cover the cost of personal care services, in-home support, and some assisted living services. These programs are available to adults 65 and older who meet financial and functional requirements.
When should Colorado seniors start the Medicaid planning process?
It’s best to begin planning at least five years before long-term care is needed to avoid issues with Medicaid’s 5-year lookback period. However, families facing immediate care needs can still benefit from crisis Medicaid planning, which helps structure assets appropriately and expedite eligibility.
How can Medicaid planning help protect a spouse in Colorado?
Colorado follows federal “spousal impoverishment” rules that allow the healthy spouse (known as the community spouse) to keep a certain amount of income and assets while the other spouse qualifies for long-term care Medicaid. A Medicaid planner helps ensure the couple uses these allowances effectively to protect savings, property, and monthly income.
Do you need an attorney to go through Medicaid planning in Colorado?
Not always. While some situations require the expertise of an elder law attorney, particularly when trusts, estate issues, or complex assets are involved, many families can work with certified Medicaid planners who specialize in eligibility strategy, spend-down planning, and application support.