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Does Medicaid Help With Funeral Expenses?
Although Medicaid does not typically pay for funeral expenses, four states consider Medicaid enrollment as eligibility for cremation or burial expense assistance. Since Medicaid is a state-maintained system, available assistance […]
Although Medicaid does not typically pay for funeral expenses, four states consider Medicaid enrollment as eligibility for cremation or burial expense assistance. Since Medicaid is a state-maintained system, available assistance opportunities can vary significantly. The states with Medicaid enrollment considerations for cremation and burial expense assistance include:
- Indiana
- Colorado
- Wyoming
- Wisconsin
If you live in one of these states, you will need to apply according to the designated process for your county or state. Aside from these options, you can reduce the financial burden by setting aside money to prepay a funeral home or to save in a separate account. As part of its financial rules, Medicaid permits recipients to set aside money for a burial fund, such as in a Totten Trust (a Payable on Death account), which is often considered part of the spend-down process. The specific rules for these accounts vary by state.
It is important to note that in most instances, funeral expenses are the sole responsibility of the family or estate. Families typically use life insurance proceeds, personal savings, or assistance from charitable organizations to cover the costs. Since assistance opportunities vary by state, working closely with a funeral director can help inform you of potential options and eligibility criteria in your area.
Sources
“Medicaid Funeral Assistance: Burial And Cremation Benefits By State”. Choice Mutual. https://choicemutual.com/blog/medicaid-funeral-assistance/
“Does Medicaid Pay for Cremation?” Medicare. https://www.medicare.org/articles/does-medicaid-pay-for-cremation/
