The Care Ledger

Because no one tells you this until it's too late.

Medicaid transfer-penalty calculator

Choose the state first. The state page uses only rules we have read: which date selects the figure, whether geography changes it, how strong the source is, and—where the published formula is complete—how the state treats a remainder.

People arrive here looking for a Medicaid look-back period calculator, a penalty period calculator, or a gift penalty calculator. They are the same calculation: how many months Medicaid will not pay, given what was given away and the figure your state divides by. The state page does that arithmetic with the state's own figure and rules.

Compare the Medicaid look-back period in every state before deciding whether a transfer falls inside the review window.

A state with no statewide or published figure opens an explanation instead of a made-up result. If a source has not been rechecked within 45 days, the calculator pauses automatically until it is reviewed.

Every jurisdiction