Example 1: John applies for MA in July.  He can choose to begin his 6 month MA deductible period in April, May, June, or July.

Example 2: Doyle applies for MA in July. He has excess income in July. He wants an MA deductible period that goes from April through September.  In addition to having excess income in April, Doyle had $5,000 in his savings account on April 30.  He cannot include April in his MA deductible period.  He no longer had the $5,000 on May 31, so he can begin his MA deductible period in May.

Example 3: Clarice applies for MA in July. She has excess income in July. She wants an MA deductible period that goes from April through September.  

In addition to having excess income in April and May, Clarice had an inheritance of $5,000 in May.  She still retained it on May 31.  Therefore, she cannot include May or any months prior to May in her MA deductible period.  She no longer had the $5,000 on June 30, so she can begin her MA deductible period in June.

Example 4: Marion applies for MA in July.  She has excess income in July.  She wants an MA deductible period that goes from April through September.

In addition to having excess income in April, May, and June, Marion had sold her car for $5,000 and still retained the money on June 30.  She cannot include June or any months prior to June in her MA deductible period.  She no longer has the $5,000 on the date of her July application, so she can begin her MA deductible period in July.

Example 5: Bobby Lee applies for MA in July. He has excess income. He also has $5,000 in his checking account at the time of application.  He is ineligible.  He cannot have an MA deductible period that begins in July or in any months prior to July.

Example 6:  Jack applies for MA in July.  He wants an MA deductible period that goes back 2 months to include May and June.  In May, he would have been eligible except for excess income.  In June he had received a $10,000 gift. On June 29 he went to the track and lost the $10,000.  Had he applied on June 30 he would have been eligible. Jack can include both May and June in his MA deductible period.

Example 7:  Mansour applies for MA in July.  He is found to be eligible.  He had medical bills in April and May. He also had excess income in April and May.  He wants an MA deductible period that includes April and May.  Unfortunately, he was the recipient of a $5,000 cash gift on June 29.  It was several days before he was able to spend it on groceries and other legitimate purchases.  Mansour will not be able to include April or May in the deductible period because on June 30, had he applied, he would have been determined ineligible.

Example 8: Jeff applies for Medicaid on 1/1/04 and his monthly excess income is $100.00.  His Medicaid deductible is $600.00 and his deductible period is January 01, 2004 through June 30, 2004.  In April 2004, Jeff’s monthly excess income decreases to $10.00 a month.  Jeff reports the decreased income in April and now has a choice between 2 different deductible recalculations.  He can either have his worker recalculate the original $600.00 deductible which would then become a $330.00 deductible (3 months of $100.00 excess income and 3 months of $10.00 excess income) or since he hasn’t yet met that deductible, he can file a new application in April and establish a new deductible period of April 2004 through September 30, 2004 with a $60.00 deductible obligation ($10.00 x  6  = $60.00).  If Jeff hasn’t already incurred any substantial medical expenses, he may want to file a new application, set a new deductible period, and be in a better position to meet a much smaller deductible.   (4.9.7.1)