Galveston, TX Medicaid Planning Lawyer

Page Updated October 2025

Medicaid planning helps seniors protect their assets while qualifying for federal assistance to cover nursing home costs, which average $80,000 annually in Texas. Attorney Michelle E. Murphy guides Galveston clients through repositioning assets, navigating Texas Medicaid laws, and completing applications to secure coverage without depleting life savings.

Key Takeaways:

• Early planning is critical because Medicaid has a five-year look-back period that examines asset transfers, making it essential to start repositioning assets well before you need care.

• Medicaid planning protects your wealth by legally converting non-exempt assets to exempt ones through trusts and other strategies, allowing you to qualify for benefits without losing everything you’ve worked for.

• Our Galveston medicaid planning lawyer offers personalized guidance, virtual consultations, and comprehensive support from application to approval.

Today, people are living longer than ever, which means the chance that you will need long-term nursing care at some point is high; however, nursing home care is extraordinarily expensive, and not typically covered by Medicare or private health insurance. Planning ahead for these costs is imperative if you don’t want to lose your life savings or become a financial burden to your family! Working with a Galveston Medicaid planning lawyer is the best way to ensure that neither of those things will happen. 

Let Attorney Michelle E. Murphy give you peace of mind! Call today to schedule a free consultation.

Medicaid Planning Explained

Medicaid is a federal government program that provides financial assistance to different groups, including elderly individuals who require nursing home care. It is an excellent option to pay for the high costs of a nursing home, but there are stringent qualifications in place that seniors have to meet before they can qualify. 

Medicaid planning is this method of “repositioning” your assets so that you don’t technically own them in your name, and they won’t count against you when you go to apply for Medicaid. If you live in or near Galveston, Texas, the best way to approach Medicaid planning is with the help of an experienced Galveston Medicaid planning lawyer who can explain how the process works and handle all the paperwork for you.  

Why Should You Plan For Medicaid?

Many seniors over 65 require assisted living. Every year you live past 65, the chances of you needing long-term care grow, and Texas nursing homes cost about $80,000 yearly. Considering that the median average income for retired Americans age 65 and older is around $47,000, that’s a lot of money. It’s more than most seniors can reasonably afford, especially those on fixed incomes or relying solely on Social Security. 

Medicaid planning helps you to keep the money you’ve worked hard for and prevents your family from having to go into debt to get you the care you need. By securing your assets with various legal tools, you can avoid having to pay anything out of your pocket or your family’s pocket, and get your care covered by federal aid. 

Planning for Medicaid should happen early because Medicaid has a five-year “look back” period where any gifts and most transfers of assets are considered in the application process and can hinder your eligibility. When you are over 65, illness and injuries are more likely to occur; none of us are promised a healthy tomorrow, which is why like any other form of estate planning, Medicaid planning should be a priority for today, before it’s too late to preserve your legacy from the high costs of long-term care.

What Can A Galveston Medicaid Planning Lawyer Do For You?

Our Galveston Medicaid planning lawyer can help you through this process by identifying your exact needs, explaining your options, and then creating the personalized tools you need to get Medicaid coverage without losing control of your assets. Attorney Michelle E. Murphy can:

• Explain how Texas state laws apply to your situation

• Advise which type of Medicaid fits your needs

• Convert non-exempt assets to exempt assets through trusts, spousal annuities, and other methods

• Complete and submit your Medicaid application without errors

• Gather supporting documentation

• Appeal a rejection of your application, if necessary

• Create other estate planning tools, such as advance directives or powers of attorney to clarify your healthcare wishes 

• & more! 

Why Choose The Law Office Of Michelle E. Murphy For Medicaid Planning?

Medicaid planning secures your family, your legacy, your quality of life, and your peace of mind. When it comes to such an important and sensitive legal process, the law firm you choose to work with can make a difference in how confident you feel in your preparation! 

Galveston Medicaid planning lawyer Michelle E. Murphy takes a personal approach to legal advocacy because she knows how sensitive these issues can be. She believes in promoting stability for you and your family and cares deeply about your future. Because she has over 20 years of legal experience helping seniors navigate the complex Medicaid landscape, she knows all of the ins and outs of the process and can simplify your way forward. 

Her ability to serve clients virtually can provide convenience, and she offers free initial consultation to prospective Medicaid planning clients in Galveston. You can get to know her and learn more about what she can do to serve you. 

Call today to schedule your free consultation!