SERVICES
Medicaid Decisions. Handled Clearly.
Medicaid Asset Limits
Medicaid Asset Limits focuses on helping families understand where they stand before or after a care event.
This service establishes the foundation for everything that follows.
-
Inventorying assets, income, and ownership structures
-
Identifying assets that may be exposed during Medicaid review or estate recovery
-
Explaining Medicaid asset limits and timelines in plain language
-
Organizing financial records, statements, and documentation
-
Preparing families for productive conversations with attorneys or care providers
-
Sequencing next steps once legal or professional guidance is provided
Pricing: Starting at $350
Texas Spend-Down Operations
Texas Spend-Down Operations provides hands-on, boots-on-the-ground management of the real-world work that often occurs during a Medicaid spend-down. We step in to manage property, assets, vendors, and logistics so families aren’t forced to juggle everything at once.
HOME & PROPERTY EXECUTION
-
Coordinating contractors for repairs, paint, roofing, accessibility upgrades, and deferred maintenance
-
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.
-
Managing appliance replacement (HVAC, water heaters, dishwashers, refrigerators, etc.)
-
Overseeing clean-outs, utility changes, insurance updates, and property upkeep
REAL ESTATE READINESS
-
Preparing homes for sale, rental, or transition
-
Coordinating with realtors, inspectors, and vendors
-
Managing timelines so property decisions don’t stall care or Medicaid processes
VEHICLE & ASSET CONSOLIDATION
-
Assisting with vehicle sales, trade-ins, or consolidation
-
Organizing title changes and supporting documentation
-
Managing logistics around replacement purchases once direction is established
SPEND-DOWN DOCUMENTATION
-
Tracking major expenditures
-
Organizing receipts, invoices, and records
-
Maintaining a clean paper trail for attorney or caseworker review
Pricing: Asset intake fee plus capped percentage of managed spend-down.
Family Mediation & Decision Support
Family Mediation & Decision Support helps families move forward together when emotions, responsibilities, and expectations collide during Medicaid and care transitions. This service focuses on communication, clarity, and follow-through.
-
Facilitated family discussions focused on care, assets, and responsibilities
-
Clarifying roles, expectations, and next steps
-
Reducing conflict that stalls decision-making
-
Helping families align before critical deadlines
-
Documenting decisions for professional follow-up
Depending upon size and family dynamics, the typical cost ranges $800–$1,000
Rapid Clawback Response
Rapid Clawback Response is immediate intervention when a care event happens before preparation was in place. This service is designed for moments when families need someone to step in fast and take control.
CARE FACILITY & PROVIDER MANAGEMENT
-
Communicating directly with assisted living, memory care, and skilled nursing facilities
-
Clarifying billing, deposits, rate changes, and move-in requirements
-
Addressing incorrect charges or duplicated billing
-
Serving as the primary point of contact to reduce pressure on family members
IMMEDIATE ASSET & RISK CONTROL
-
Identifying assets most exposed during Medicaid review or estate recovery
-
Preventing panic actions that can create irreversible problems
-
Securing property, vehicles, and possessions during transitions
PROPERTY STABILIZATION
-
Securing homes when someone enters care suddenly
-
Managing utilities, insurance, maintenance, and oversight
-
Preventing neglect, vandalism, or unnecessary loss of value
PAPERWORK & TIMELINE CONTROL
-
Organizing incoming bills, notices, and correspondence
-
Preventing missed deadlines and lost documentation
-
Creating order during the most chaotic phase of a transition
Pricing: Starting at $2,500
How These Services Work Together
Most families use more than one service as situations evolve. Some start with asset clarity. Others call during a crisis. Many need hands-on execution once decisions are made.
Our role is consistent throughout:
Practical guidance.
On-the-ground execution.
When walking away isn’t an option.
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.
LUBBOCK, TX
LUBBOCK, TX