08/28/2026
Medicaid Didn’t Take My House—Did It?
Many people believe that if they receive Medicaid to help pay for nursing home care, Medicaid automatically takes their house.
That’s not exactly how it works.
After a Medicaid recipient dies, the state may be allowed to seek repayment for certain benefits paid on their behalf. This is called Medicaid Estate Recovery.
But there may be ways to protect the family home and avoid surprises:
*Plan ahead. Don't wait until a crisis.
*Make sure your property is titled correctly.
*Understand who actually owns the property. Heirs' property can create major problems.
*Have the right legal documents in place.*
*Get legal advice before transferring your home or other property. Giving property away without understanding the rules can create problems with Medicaid eligibility.
The good news? There may be protections, exemptions, and exceptions depending on your family's situation.
If you have questions about Medicaid, your home, heirs' property, or estate recovery, call North Mississippi Rural Legal Services at 1-800-898-8731 to speak with an attorney.
Don't wait until after a loved one passes away to find out what happened to the family home.
