Amarillo & The Texas Panhandle
Helping Families Navigate Medicaid Planning & Estate Recovery
Amarillo
The Texas Panhandle
Why Amarillo Families Work With Us
Amarillo is not the same as Lubbock or Midland — and the planning challenges here look different:
-
Longtime families in Wolflin, The Colonies, Sleepy Hollow, La Paloma, Belmar
-
Ranch and farm property stretching toward Bushland, Canyon, Bishop Hills, and Claude
-
Parents hitting medical crises at BSA, Northwest Texas Hospital, or Palo Duro nursing centers
-
Older adults living alone in Potter & Randall counties with no plan in place
-
Families dealing with estates that include both residential property and ranchland
You get straight talk, clear steps, and Amarillo-specific asset protection — nothing generic.
Services for Potter & Randall Counties
-
Medicaid Asset Protection: Plan ahead for Medicaid eligibility and long-term care while addressing how homes, land, and retirement accounts are structured.
-
Lady Bird Deeds (Enhanced Life Estate Deeds): A commonly used Texas tool to help homes transfer outside probate and reduce exposure to Medicaid estate recovery when appropriate.
-
Transfer-on-Death / Beneficiary Deeds: Coordinate clean, direct transfers for homes, land, and eligible assets, avoiding unnecessary delays and probate complications.
-
IRA & Asset Protection Structure: Help clients understand which assets are exposed, which are not, and how accounts are commonly structured under Texas Medicaid and MERP rules.
-
Rapid MERP Clawback Defense: When Medicaid has already paid for care or a recovery notice is issued, I help families respond quickly, organize assets, and coordinate next steps during a critical window.
What Panhandle Families Should Know About Medicaid & MERP
Here’s what affects most families here:
-
Texas Medicaid can attempt to recover costs from an estate after a loved one passes
-
Homes, ranchland, and probate-only assets are the main targets
-
Retirement accounts are handled differently, depending on beneficiary setup
-
Lady Bird Deeds and TOD deeds are powerful protection tools — if done right
Helpful official resource links:
-
Apply for Medicaid or get Medicaid info: YourTexasBenefits.com
-
MERP program overview and legal details: HHSC’s Guide to Medicaid Estate Recovery Program
Amarillo Medicaid Office
HHSC Benefits Office – Amarillo
7201 I-40 West, Amarillo, TX 79106
(Handles Medicaid, SNAP, TANF, and benefits applications)
Benefits Website
Where We Work in Amarillo
We operate as a service-area business, which means I come to you:
-
At your home
-
At BSA or Northwest Texas Hospital
-
At rehab or nursing facilities
-
At a coffee shop or quiet space
-
Or anywhere in Potter or Randall County that’s convenient
You’re dealing with enough — you shouldn’t have to drive across town for basic answers.
Quick FAQ
Q: Can Medicaid take my Amarillo home or ranchland?
If you don’t plan ahead — yes.
If you use the right tools — no.
Q: Do Lady Bird Deeds work for Amarillo properties?
Absolutely. They’re one of Texas’s most reliable protections.
Q: Can you help if someone is already in a nursing home?
Yes — but timing is everything. The sooner you reach out, the better.
Q: Is this for me or for my aging parent?
Either. Just let us know who the planning is for when you message me.
Next Step — Reach Out Today
When you reach out, tell me:
-
Whether this is for you or a family member
-
Age and general health
-
Whether they’re at home, hospital, rehab, or long-term care
-
The assets you’re most worried about (home, land, IRA, savings, etc.)
No judgment. No pressure.
Just the guidance you need to protect your legacy — Amarillo style.
Disclaimer – Not Legal or Financial Advice
Cotton Phillips Estate Services is not a law firm, and I am not an attorney. The services I provide — including assistance with filings, paperwork preparation, negotiations, guidance through administrative processes, and general organization of your estate or benefit-related matters — are only meant to help you understand your options and navigate available procedures.
RANDY IN AMARILLO, TX