Short Form What Medicaid Planning Actually Is and Who It Is Really For

LEGACY INVESTMENT SERVICES

YouTube Short Script  |  June 2025  |  Week 3 - Short 5

TITLE: What Medicaid Planning Actually Is and Who It Is Really For

ADVISOR: Jordan Cassiani

RUNTIME: 55-65 seconds

FORMAT: Vertical 9:16, tight on-camera, no cuts

CTA: Link in bio for complimentary retirement income analysis

Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Legacy Investment Services and Osaic Wealth are separate entities. Content is for educational purposes only. Not investment, tax, or legal advice. All scenarios are hypothetical illustrations.

SCRIPT

Most people hear Medicaid and think it is a program for people who have no money. That is not accurate, and that misconception causes a lot of families to ignore planning that could protect them significantly.

Medicaid is a joint federal and state program that covers long-term care costs including nursing homes and memory care facilities. But to qualify, your assets must be below certain thresholds, which vary by state. For a single individual it is typically around $2,000 in countable assets. For a married couple, the community spouse can keep more, but the thresholds are still strict.

Medicaid planning is the process of legally restructuring your assets so that more of what you have built over your lifetime can be protected before you need care. This is not hiding money. It is using legal structures, primarily trusts and qualified transfers, in the ways the law specifically allows.

The families who benefit most from Medicaid planning are not the very wealthy and not the very poor. They are the middle. People with $300,000 to $1,000,000 in assets who have too much to qualify for Medicaid today but not enough to fully self-fund years of $10,000 to $14,000 per month care.

If that range describes you, this is a planning conversation worth having now rather than after a health event makes it too late.

Link in my bio to get started.

PRODUCTION NOTES

Reframe the Medicaid misconception clearly and early. This is for the middle class, and saying that explicitly is the hook.

Legacy Investment Services  |  Jordan Cassiani  |  Legacy - What Medicaid Planning Actually Is - Short - Week 3